Current Listings
Guide Price £400,000
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Guide Price £485,000
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Guide Price £475,000
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Guide Price £199,000
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Guide Price £875,000
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Guide Price £450,000
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Guide Price £220,000
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Guide Price £425,000
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Guide Price £685,000
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Offers Over £700,000
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Guide Price £485,000
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Offers In The Region Of £325,000
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£750,000
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Guide Price £395,000
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Guide Price £359,000
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Guide Price £755,000
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Guide Price £895,000
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Guide Price £550,000
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Guide Price £299,950
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Guide Price £425,000
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Guide Price £535,000
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Guide Price £650,000
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Guide Price £725,000
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39.85 ac
Guide Price £1,150,000
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Guide Price £550,000
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Guide Price £450,000
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Offers Over £210,000
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Guide Price £350,000
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Guide Price £180,000
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Guide Price £335,000
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Guide Price £375,000
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Guide Price £270,000
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Guide Price £325,000
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Guide Price £550,000
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Guide Price £400,000
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Guide Price £280,000
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Guide Price £385,000
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Guide Price £240,000
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Guide Price £790,000
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Bennet Samways Estate Agents
Bennet Samways are a truly personalised estate agency, providing a high-end experience in the world of estate agency. Bennet Samways is your trusted partner in finding, selling and securing the finest properties tailored to your unique desires and dreams.
About Us - At Bennet Samways, we redefine the estate agency experience. As a bespoke estate agency, we specialise in delivering exceptional service that goes beyond your expectations. Our mission is to expertly nurture, communicate and guide our clients through the selling, and buying process. We work hard to connect you with exclusive properties that match your lifestyle, preferences, and aspirations.
We take immense pride in being a licensed Propertymark estate agency. Our commitment to professionalism, transparency, and ethical practises sets us apart in the estate agency industry. As a licensed member of Propertymark, we adhere to the highest standards, ensuring that our clients receive expert guidance and the utmost confidence in their property transactions. Whether you’re buying, or selling, you can trust Bennet Samways to provide you with a superior level of service that is both dependable and dedicated. We understand the significance of your property decisions, and our affiliation with Propertymark underscores our unwavering dedication to delivering excellence in every aspect of your estate agency journey.
Bennet Samways was established in 2021 by Stuart Bennet and Nick Samways, with combined 35 years of estate agency experience. Winning the ‘British Property Award Gold Winner For Best Estate Agent In Ashbourne’ in both 2022, 2023 & 2024. We were also listed in the 'Best Estate Agent Guide' for Ashbourne 2024 & 2025.
Discover The Difference Today - Whether you’re selling a country cottage in Derbyshire, a discerning character home with land or a stylish home in Ashbourne, Bennet Samways is here to make your property dreams a reality.
Explore our exclusive listings, read our client testimonials, and get in touch with us to start your journey in selling your home and find the perfect property that reflects your unique style and taste.
Located at the prestigious office at Ednaston Park, between Ashbourne and Derby, adjacent to A52 with easy access, and free car parking for our clients on their appointment. Why not call Stuart, Nick or Katie on 01335 818550 and discover the difference…
Your extraordinary estate agency journey starts here…
THINKING OF SELLING? FREE VALUATIONS AVAILABLE
We provide EXPERT advice on achieving the best possible price for your home. We are pleased to offer FREE Valuations, and advice on maximising the saleability of your property, along with a ‘No Sale No Fee’ approach.
Latest Blog Posts
Mar 24, 2025
A Homebuyers Dictionary - Important Terms To Know
If you are buying a property in Ashbourne & Derbyshire, especially for the first time, you could be unfamiliar with terms like freehold, early repayment charge, or getting gazumped! You're not in the minority if these concepts are all new to you. A recent study from property portal Zoopla reveals that many home buyers struggle to pinpoint exactly what such estate agent lingo means. For homebuyers, it can feel like the journey to purchasing a home comes with its own unique vocabulary! So, to help you, the team at Bennet Samways has put together a comprehensive home buying dictionary of all the trickiest terms, so you’ll never be confused again! We’ve arranged all the terms in alphabetical order to make it easy for you to find what you need to know. Annual Percentage Rate (APR) APR stands for Annual Percentage Rate. This is the total yearly expense of a mortgage, including all fees and charges which makes it a more comprehensive measure than just the interest rate. It’s helpful for comparing different mortgage options and the cost of borrowing money. A lower APR means lower costs over the life of the mortgage. Base Rate This is the interest rate set by the Bank of England that influences the borrowing costs of banks and ultimately affects mortgage interest rates. When the Bank of England sets a high base rate, borrowing money becomes more expensive, which can slow down spending and investment. Conversely, a lower base rate makes borrowing cheaper, potentially boosting spending and investment. Bridging Loan A bridging loan is a temporary mortgage helping to cover the interval between buying a new house and selling the old one, often quick to arrange but with higher interest rates. It’s a type of short-term financing that helps cover immediate cash flow needs while waiting for a more permanent financial solution. This can be especially useful in a competitive market when buying quickly is crucial. Because these loans are meant to "bridge" a gap, they're expected to be paid back quickly, often once the original property is sold or long-term financing is secured. Buying Scheme A "buying scheme" often refers to various programs designed to help individuals purchase homes, typically aimed at first-time buyers, those with lower incomes, or specific groups like key workers. These schemes are usually supported by the government or in partnership with developers to make homeownership more accessible. Common types of buying schemes are ‘help to buy’, ‘shared ownership’ and ‘right to buy’. Closing Date A straightforward deadline set by an estate agent for submitting offers on a property that has attracted significant interest. After this date, the seller reviews all offers, and decides which one to accept. Setting a closing date can create a competitive situation, encouraging buyers to put forward their best bids. Completion Completion refers to the final stage of the property buying process when the ownership of the property officially transfers from the seller to the buyer. This is the point at which the transaction is legally concluded, and the buyer becomes the legal owner of the property. It marks the buyer’s official move-in day when they can start calling the property their own. Conveyancing Conveyancing refers to the legal process of transferring ownership of property from one person to another. This process is essential in both buying and selling and involves several key steps to ensure that the transaction is legally valid, and that the buyer receives clear title to the property. Conveyancing ensures that the buyer knows exactly what they are buying and that there are no legal surprises after the purchase. It also protects the seller by ensuring that the financial aspects of the transaction are handled securely and within the law. Covenant A covenant refers to a rule or restriction set out in the title deeds or lease of a property that dictates how the property can or cannot be used, or what can be built on it. Covenants are legally binding and are passed along to the new owners when a property is sold. They are intended to protect the value and enjoyment of properties within a particular area or development. When buying a property, it’s important to check for any covenants attached to it, as they can significantly affect how you can use your property. Deeds These are legal documents that verify property ownership, maintained electronically by the Land Registry after initial registration. They are crucial in the buying and selling of property as they provide proof of a property’s ownership history and details about the property itself. Disbursements Disbursements are the costs a conveyancing solicitor pays on behalf of the buyer during a home purchase, later billed to the buyer. These are not the fees for legal services themselves, but rather payments made to other organizations as necessary parts of the transaction. For example, land registry fees, local authority searches, drainage and environmental searches. Early Repayment Charge (ERC) An Early Repayment Charge is a fee that some lenders charge if you pay off your mortgage, or a significant part of it, before the end of an agreed period. This charge is particularly common during a fixed-rate, tracker, or discount period of a mortgage. Energy Performance Certificate (EPC) An EPC, or Energy Performance Certificate, is a document that provides information about the energy efficiency of a property. It's used to evaluate the environmental impact of buildings. The EPC gives a property an energy efficiency rating from A (most efficient) to G (least efficient) and is valid for ten years from the date it is issued. Equity Equity refers to the financial stake that a homeowner has in their property. It's the difference between the market value of the property and the amount still owed on any mortgages or loans secured against it. Equity can increase over time as the homeowner pays down the mortgage and as the property value appreciates. Exchange of Contracts In property transactions, the "exchange of contracts" is a crucial and legally binding stage where both the buyer and the seller of a property formally agree to their respective commitments by signing and then exchanging written contracts. This process is overseen by their respective conveyancers. The exchange of contracts is a significant milestone in buying or selling property in the UK, marking the point where preliminary agreements become enforceable commitments. Fixed Interest Rate A fixed interest rate, in the context of mortgages, refers to an interest rate that stays constant throughout the term of the mortgage or for a specified period of the mortgage duration. This type of rate provides predictability and stability for both borrowers and lenders. Fixed rates offer a safeguard against rising interest rates, making them a popular choice for those who value predictability in their financial planning. Freehold This refers to outright ownership of the property and the land on which it stands. Freehold is often preferred (over leasehold) for residential properties because of the ownership freedom and control it offers, making it an attractive option for homebuyers seeking a long-term, stable investment in the property market. Gazumping Gazumping occurs when a seller accepts a verbal offer on a property from one potential buyer but then accepts a higher offer from someone else before exchange of contracts. This practice is seen when demand outstrips supply, leading to competitive bidding situations. Gazundering Gazundering is a term used to describe a situation where a buyer lowers their offer on a property after initially agreeing to a higher price, but before contracts are exchanged. This tactic is used for various reasons, often related to changes in the buyer's financial situation, or as a reaction to issues discovered during the property survey that might affect the property's value. Land Certificate Formerly known as the paper version of title deeds, a Land Certificate is a document issued by the Land Registry to the owner of registered land as proof of ownership. It includes details of the land's registration under the title number, the owner's name, and any charges or rights against the land. It’s important to note that land certificates were phased out in 2003 when the Land Registration Act came into force. Today, if you need to prove ownership or obtain details about a property in the UK, you would typically request an official copy of the register from the Land Registry. Leasehold This is a contract granting occupancy rights to a property for a specified term, with conditions such as ground rent or service charges and is typically seen in the context of flats and apartments. In this case, owning the structure outright would be impractical due to the shared nature of the building. The buyer owns the property (e.g. an apartment within a building) but not the land on which it stands. Ownership of the property reverts to the landlord when the lease expires unless an extension is agreed upon. Mortgage A mortgage is financing obtained specifically to purchase a property. The property itself serves as collateral for the loan, which means if the borrower fails to make the required payments, the lender has the right to seize the property to recover their funds. Mortgage Broker A mortgage broker is a specialist who helps potential borrowers find the best mortgage options available for buying a home or refinancing an existing mortgage. They act as intermediaries between borrowers and lenders, with the goal of matching their clients with suitable mortgage products based on their financial situation and preferences. Under Offer A property that's 'under offer' means that a buyer or multiple interested buyers have made the seller an offer to purchase the property. Once the offer on the house is accepted, the status of the property will change to 'STC' or 'Subject to Contract'. This means that the property sale is progressing with the buyer whose offer was accepted. The sale isn't legally binding until the contracts are exchanged, which usually doesn't happen until at least a couple of months later. Stamp Duty Stamp Duty is a tax paid by home buyers on property purchases. This tax is imposed by the government and is based on the purchase price of the property. The amount of stamp duty owed can vary depending on factors such as the property's location, its value, and whether the buyer is a first-time buyer. Surveying Surveying refers to the process of assessing the condition and value of a property. This is typically carried out by a qualified surveyor who examines various aspects of the property, such as its structure, foundation, and overall condition. There are different types of surveys available in the UK, with varying levels of detail and cost. Surveying plays a crucial role in the home buying process as it helps buyers make informed decisions about their potential investment. Tender Tender refers to a method of selling a property where potential buyers submit sealed bids or offers by a specified deadline. The seller then reviews these bids and selects the one they deem most favourable. The tender process is often used for properties with unique characteristics or in situations where there is high demand and potential for competitive bidding. It allows sellers to maximize the sale price while giving buyers an opportunity to make their best offer in a transparent and structured way. If there are any terms that we haven’t included here that you would like to understand, please call us on 01335 818550 or email stuart@bennetsamways.co.uk and we will be happy to help you. Bennet Samways are your local estate agents in Ashbourne & Derbyshire....
Mar 24, 2025
Choosing An Estate Agent
This is an exciting time for you and now is the right moment to consider two highly important elements to make sure you locate and purchase your dream property without hassle or stress. Right now, you may be in the position of not knowing where or how to start your search or even what to look at first, and that’s where we come in! Here at Bennet Samways, we are experts in property searches in Ashbourne & Derbyshire and have plenty of useful tips to help you through the process. Trust the Professionals First and most importantly, you should always enlist the help of a professional estate agent to help you in your property search. Yes, of course, we are biased, but trust us, a knowledgeable, local estate agent will save you hours of time, not only during your initial search but also when it comes to viewing suitable properties, making an offer and negotiating a deal, right through to exchange and completion. It’s important you choose a reputable estate agent that you like and trust, that you understand the service offered and are happy with their contract terms and fees. In fact, the ideal estate agent is not always the one with the most sales under their belt, or the one with the most years in business. The ideal agent is the one who listens to you, is easy to get along with, is interested in your requirements and has the tools and skills to address your unique situation. Professional expertise is of course, important when choosing your estate agent, but interpersonal skills are equally important. After all, you'll be working together for anywhere between 2 to 12 months, so it helps to get along! We all have unique personalities, and that's the way it should be. But when working with someone professionally, if helps if their personality fits well with your own. At Bennet Samways we understand that every home buyer is unique and brings a different set of circumstances to the table. We pride ourselves on our customer service and are a friendly bunch with many years of experience under our belts so when you choose us to help you buy or sell your home in Ashbourne & Derbyshire you can be certain of excellent service. However, before you get carried away with deciding how many bedrooms you need, or the colour you will paint your sitting room, or which location you prefer, the second aspect you must consider and assess is your financial situation, as it’s likely that to fund the purchase of your new home, you will require a mortgage. Here at Bennet Samways we will also be happy to recommend financial service providers in Ashbourne & Derbyshire who can help you with this aspect of your property journey. Review your Financials The financial part is the most important one. This will involve working with a professional who will check your credit score, look at your monthly income, your proof of employment, the deposit you have available and will ensure you have funds available to pay for fees and expenses at the close of the transaction. As reputable and professional estate agents, our staff at Bennet Samways are trained to assist you through this financial process where needed. Alongside financial assistance, our staff will look closely at your property needs and establish your criteria. We will then search for properties that match your needs in Ashbourne & Derbyshire and surrounding areas and make a shortlist of all those that fit your requirements. Accompanied viewings are standard allowing you to take your time when viewing properties with no pressure, and a negotiator will always be on hand to answer any questions you have about the property or indeed the local area. The easiest move you will make Our staff are knowledgeable, friendly and professional and will endeavour to ensure buying a property in Ashbourne & Derbyshire is the most stress free move you will ever make! Working with a reputable estate agent will save you time and is the absolute best way to find the perfect property for you. We will always negotiate the best deal and make sure you are kept updated via our sales progression team all the way through to exchange and completion. Contact us today on 01335 818550 for an informal chat or call our office and discover how we can help you, whether you are buying or selling your home in Ashbourne & Derbyshire. We will be delighted to meet you. Frequently Asked Questions About Finding the Right Estate Agent Why should I use a professional estate agent when searching for a property? Using a professional estate agent can save you time and hassle, as they guide you through every step of the process, from searching and viewing properties to making offers and completing the deal. What should I look for when choosing an estate agent? Look for an estate agent who listens to your needs, is easy to communicate with, and has a good understanding of the local market. It’s important that you feel comfortable and trust them. How can local estate agents help with my financial situation? Our team at Bennet Samways can recommend local financial service providers who can assist you with mortgages and assess your financial readiness for buying a home. ...
Mar 24, 2025
How To Find Out When A Property Was Built
If you’re selling your home, you may need to find out when exactly the property was built. Finding out is usually very easy. But, sometimes, limited data is available about when a property was developed – so you may need to do some digging. Thankfully, there are multiple ways to find out when a property was built to help you when you’re selling your home. If you need to know when your house was built, here’s an overview of some of the different ways you can find out the exact year. Contact HM Land Registry One of the most reliable ways to find out when a house was built is to contact HM Land Registry. They keep records of land ownership and can usually provide information about who bought the land and when – which can tell you the approximate age of your home. Contact the Local Authority Sometimes, local authorities hold archives around when planning permission was requested on the land to build your home, which can help you find out when your home was built. Check Previous Mortgage Surveys If the property has a mortgage and a survey was undertaken, this will usually contain information about what year the property was built. Ask the Previous Owner Another great way of finding out when your house was built is to ask the previous owner. This is especially helpful if you can’t find any records online about your property and its history. Speak to Neighbours It’s not uncommon to have neighbours who have lived in a house all their lives, so they may know exactly when your house was built. If there are homes similar to yours nearby, speak to your neighbours to see if you can find out a date. Ask a Local Historian If you want to know more than just the year your property was built (like the exact date, who built it and more information about the previous owners), you can ask a local historian or someone that specialises in researching the local area. If you have an older home, this can be particularly helpful to understand more about its history – which can be a great talking point with potential buyers! Ask an Estate Agent As your local estate agent, we have a wealth of information about properties in Ashbourne & Derbyshire. If you’re selling your home and need to know when it was built, ask us for advice and we will do our best to help. Need Property Advice in Ashbourne & Derbyshire? If you need help finding out when your Ashbourne & Derbyshire house (or a house you’re interested in buying) was built, Bennet Samways are your local property experts. Our friendly team of estate agents are happy to help answer your questions about properties in the area. Get in touch today for a chat or to book a valuation by calling us on 01335 818550 or sending us an email at stuart@bennetsamways.co.uk. ...
Feb 15, 2025
How To Deal With Your Energy Supplier When Moving Home In Ashbourne
The process of moving home in Ashbourne & Derbyshire can become highly stressful. With a seemingly endless to-do list, mounting cardboard boxes and looming deadlines, getting in touch with energy suppliers is often pushed to the bottom of the pile. However, failing to notify your energy supplier in enough time can result in you being overcharged and adding further stress later down the line. Here's your complete guide to dealing with energy suppliers when moving home in Ashbourne & Derbyshire. [caption id="attachment_2394" align="alignnone" width="640"] A money bag with the word Utilities and a family. The concept of saving money for the payment of utilities. The accumulation of money. A large debt. Electricity bill, heating. Debt repayment[/caption] First, Let Your Current Supplier Know Once your move dates are confirmed, you should let your current energy supplier know. They will require a few personal details alongside your move date and forwarding address. Some may also ask for the new occupiers' names to keep their records up to date. You should always give them at least 48 hours' notice, but an extra few days can help you get your affairs in order. Take a good look at your account and figure out whether you are on credit or debit. This way, you will know roughly what to expect from your final bill. Your supplier will likely ask if you would like to transfer your plan to your new property. It is recommended you instead wait until you have moved, and assess your options. Provide a Final Meter Reading To calculate your bill efficiently, your supplier will require a final meter reading. This way, it is guaranteed you are not overpaying for electricity that you have not used. You should complete this meter reading on the morning that you vacate your home. Send a copy of this information to the new owners and your estate agents for extra peace of mind that you all have the correct information. Find Out Who Your New Supplier Is Sellers should pass this information on to the estate agents; however, this sometimes slips the mind. To find out who your new gas supplier is, use the Find My Supplier website. The Energy Network Association can be used to find out your electricity provider. Notify Your New Supplier You should take meter readings on the day you move into your new property. Ordinarily, the estate agents handing you the keys will be available to show you where the meter is and take a copy of the reading for their records. Send a copy of the reading to your new supplier, who will be able to calculate your ongoing bill. You should choose a flexible plan which allows you to exit at any time. You will likely find a more affordable plan elsewhere, and this way, you can avoid expensive exit fees. It is beneficial to also send a copy to the previous owner or landlord. This will help ensure that everyone's records align and no one is caught out with an unexpected charge. Find the Right Settings Don't forget that you are inheriting someone else's heating system, who probably had different preferences to you. Check the timers and temperatures already in place to see if they fit in with your family's needs. Otherwise, you might be unnecessarily burning through energy and cash! Search for the Best Deal The supplier of the previous occupier may not necessarily be the most economical option. Although you will owe them for your initial days in the home, you should head to one of the many price comparison websites to secure the best deal. It may also be worthwhile to arrange a smart meter installation which can save your household heaps of money as well as the hassle of submitting regular meter readings. Set Up a Direct Debit The easiest way to pay your monthly energy bill is via direct debit. You will generally pay the same monthly instalment, which can then be slightly adjusted either way in accordance with the meter readings you submit. At this point, it's also worthwhile to check your records with the supplier from your previous home. Ensuring that you have paid any outstanding balance or claimed your refund will prevent any reminders from being issued in the weeks and months to come. Other Suppliers to Notify Council tax Water Broadband & landline Car registration and insurance Home Insurance TV licence Healthcare services (doctor, dentist, optician) Bank Stay Organised The key to a smooth home move is undoubtedly organisation. Understandably, many movers put off contacting their utility companies, either because of logistical stress, or to delay payments. However, attempting to delay these bills will only result in a much heftier sum when it does arrive on your doorstep! Talk to Your Local Estate Agents If you have any questions, please do get in touch. Bennet Samways are your local property experts for the Ashbourne & Derbyshire area. Call us on 01335 818550 or email stuart@bennetsamways.co.uk to see how we can help. Frequently Asked Questions About Changing Energy Suppliers When Moving How far in advance should I notify my energy suppliers of my move? You should notify your energy suppliers at least two weeks before your move to ensure a smooth transition of services. This gives them enough time to process your request and provide you with a final bill. What information do I need to provide my new energy supplier? You will need to provide your new address, meter readings, and contact information to your new energy supplier. They may also require your previous supplier's name and account number. Can I keep my current energy tariff when I move? You may be able to transfer your current tariff to your new address, but this depends on your supplier's policies and the availability of the tariff in your new area. It's advisable to compare offers from different suppliers to find the best deal for your new home. How can I save money on my energy bills when moving? To save money on your energy bills, compare tariffs from different suppliers, take meter readings regularly, and consider energy-efficient appliances and lighting. You can also use smart meters to track your energy consumption and identify areas for savings. ...
Mar 24, 2025
A Homebuyers Dictionary - Important Terms To Know
If you are buying a property in Ashbourne & Derbyshire, especially for the first time, you could be unfamiliar with terms like freehold, early repayment charge, or getting gazumped! You're not in the minority if these concepts are all new to you. A recent study from property portal Zoopla reveals that many home buyers struggle to pinpoint exactly what such estate agent lingo means. For homebuyers, it can feel like the journey to purchasing a home comes with its own unique vocabulary! So, to help you, the team at Bennet Samways has put together a comprehensive home buying dictionary of all the trickiest terms, so you’ll never be confused again! We’ve arranged all the terms in alphabetical order to make it easy for you to find what you need to know. Annual Percentage Rate (APR) APR stands for Annual Percentage Rate. This is the total yearly expense of a mortgage, including all fees and charges which makes it a more comprehensive measure than just the interest rate. It’s helpful for comparing different mortgage options and the cost of borrowing money. A lower APR means lower costs over the life of the mortgage. Base Rate This is the interest rate set by the Bank of England that influences the borrowing costs of banks and ultimately affects mortgage interest rates. When the Bank of England sets a high base rate, borrowing money becomes more expensive, which can slow down spending and investment. Conversely, a lower base rate makes borrowing cheaper, potentially boosting spending and investment. Bridging Loan A bridging loan is a temporary mortgage helping to cover the interval between buying a new house and selling the old one, often quick to arrange but with higher interest rates. It’s a type of short-term financing that helps cover immediate cash flow needs while waiting for a more permanent financial solution. This can be especially useful in a competitive market when buying quickly is crucial. Because these loans are meant to "bridge" a gap, they're expected to be paid back quickly, often once the original property is sold or long-term financing is secured. Buying Scheme A "buying scheme" often refers to various programs designed to help individuals purchase homes, typically aimed at first-time buyers, those with lower incomes, or specific groups like key workers. These schemes are usually supported by the government or in partnership with developers to make homeownership more accessible. Common types of buying schemes are ‘help to buy’, ‘shared ownership’ and ‘right to buy’. Closing Date A straightforward deadline set by an estate agent for submitting offers on a property that has attracted significant interest. After this date, the seller reviews all offers, and decides which one to accept. Setting a closing date can create a competitive situation, encouraging buyers to put forward their best bids. Completion Completion refers to the final stage of the property buying process when the ownership of the property officially transfers from the seller to the buyer. This is the point at which the transaction is legally concluded, and the buyer becomes the legal owner of the property. It marks the buyer’s official move-in day when they can start calling the property their own. Conveyancing Conveyancing refers to the legal process of transferring ownership of property from one person to another. This process is essential in both buying and selling and involves several key steps to ensure that the transaction is legally valid, and that the buyer receives clear title to the property. Conveyancing ensures that the buyer knows exactly what they are buying and that there are no legal surprises after the purchase. It also protects the seller by ensuring that the financial aspects of the transaction are handled securely and within the law. Covenant A covenant refers to a rule or restriction set out in the title deeds or lease of a property that dictates how the property can or cannot be used, or what can be built on it. Covenants are legally binding and are passed along to the new owners when a property is sold. They are intended to protect the value and enjoyment of properties within a particular area or development. When buying a property, it’s important to check for any covenants attached to it, as they can significantly affect how you can use your property. Deeds These are legal documents that verify property ownership, maintained electronically by the Land Registry after initial registration. They are crucial in the buying and selling of property as they provide proof of a property’s ownership history and details about the property itself. Disbursements Disbursements are the costs a conveyancing solicitor pays on behalf of the buyer during a home purchase, later billed to the buyer. These are not the fees for legal services themselves, but rather payments made to other organizations as necessary parts of the transaction. For example, land registry fees, local authority searches, drainage and environmental searches. Early Repayment Charge (ERC) An Early Repayment Charge is a fee that some lenders charge if you pay off your mortgage, or a significant part of it, before the end of an agreed period. This charge is particularly common during a fixed-rate, tracker, or discount period of a mortgage. Energy Performance Certificate (EPC) An EPC, or Energy Performance Certificate, is a document that provides information about the energy efficiency of a property. It's used to evaluate the environmental impact of buildings. The EPC gives a property an energy efficiency rating from A (most efficient) to G (least efficient) and is valid for ten years from the date it is issued. Equity Equity refers to the financial stake that a homeowner has in their property. It's the difference between the market value of the property and the amount still owed on any mortgages or loans secured against it. Equity can increase over time as the homeowner pays down the mortgage and as the property value appreciates. Exchange of Contracts In property transactions, the "exchange of contracts" is a crucial and legally binding stage where both the buyer and the seller of a property formally agree to their respective commitments by signing and then exchanging written contracts. This process is overseen by their respective conveyancers. The exchange of contracts is a significant milestone in buying or selling property in the UK, marking the point where preliminary agreements become enforceable commitments. Fixed Interest Rate A fixed interest rate, in the context of mortgages, refers to an interest rate that stays constant throughout the term of the mortgage or for a specified period of the mortgage duration. This type of rate provides predictability and stability for both borrowers and lenders. Fixed rates offer a safeguard against rising interest rates, making them a popular choice for those who value predictability in their financial planning. Freehold This refers to outright ownership of the property and the land on which it stands. Freehold is often preferred (over leasehold) for residential properties because of the ownership freedom and control it offers, making it an attractive option for homebuyers seeking a long-term, stable investment in the property market. Gazumping Gazumping occurs when a seller accepts a verbal offer on a property from one potential buyer but then accepts a higher offer from someone else before exchange of contracts. This practice is seen when demand outstrips supply, leading to competitive bidding situations. Gazundering Gazundering is a term used to describe a situation where a buyer lowers their offer on a property after initially agreeing to a higher price, but before contracts are exchanged. This tactic is used for various reasons, often related to changes in the buyer's financial situation, or as a reaction to issues discovered during the property survey that might affect the property's value. Land Certificate Formerly known as the paper version of title deeds, a Land Certificate is a document issued by the Land Registry to the owner of registered land as proof of ownership. It includes details of the land's registration under the title number, the owner's name, and any charges or rights against the land. It’s important to note that land certificates were phased out in 2003 when the Land Registration Act came into force. Today, if you need to prove ownership or obtain details about a property in the UK, you would typically request an official copy of the register from the Land Registry. Leasehold This is a contract granting occupancy rights to a property for a specified term, with conditions such as ground rent or service charges and is typically seen in the context of flats and apartments. In this case, owning the structure outright would be impractical due to the shared nature of the building. The buyer owns the property (e.g. an apartment within a building) but not the land on which it stands. Ownership of the property reverts to the landlord when the lease expires unless an extension is agreed upon. Mortgage A mortgage is financing obtained specifically to purchase a property. The property itself serves as collateral for the loan, which means if the borrower fails to make the required payments, the lender has the right to seize the property to recover their funds. Mortgage Broker A mortgage broker is a specialist who helps potential borrowers find the best mortgage options available for buying a home or refinancing an existing mortgage. They act as intermediaries between borrowers and lenders, with the goal of matching their clients with suitable mortgage products based on their financial situation and preferences. Under Offer A property that's 'under offer' means that a buyer or multiple interested buyers have made the seller an offer to purchase the property. Once the offer on the house is accepted, the status of the property will change to 'STC' or 'Subject to Contract'. This means that the property sale is progressing with the buyer whose offer was accepted. The sale isn't legally binding until the contracts are exchanged, which usually doesn't happen until at least a couple of months later. Stamp Duty Stamp Duty is a tax paid by home buyers on property purchases. This tax is imposed by the government and is based on the purchase price of the property. The amount of stamp duty owed can vary depending on factors such as the property's location, its value, and whether the buyer is a first-time buyer. Surveying Surveying refers to the process of assessing the condition and value of a property. This is typically carried out by a qualified surveyor who examines various aspects of the property, such as its structure, foundation, and overall condition. There are different types of surveys available in the UK, with varying levels of detail and cost. Surveying plays a crucial role in the home buying process as it helps buyers make informed decisions about their potential investment. Tender Tender refers to a method of selling a property where potential buyers submit sealed bids or offers by a specified deadline. The seller then reviews these bids and selects the one they deem most favourable. The tender process is often used for properties with unique characteristics or in situations where there is high demand and potential for competitive bidding. It allows sellers to maximize the sale price while giving buyers an opportunity to make their best offer in a transparent and structured way. If there are any terms that we haven’t included here that you would like to understand, please call us on 01335 818550 or email stuart@bennetsamways.co.uk and we will be happy to help you. Bennet Samways are your local estate agents in Ashbourne & Derbyshire....
Mar 24, 2025
Choosing An Estate Agent
This is an exciting time for you and now is the right moment to consider two highly important elements to make sure you locate and purchase your dream property without hassle or stress. Right now, you may be in the position of not knowing where or how to start your search or even what to look at first, and that’s where we come in! Here at Bennet Samways, we are experts in property searches in Ashbourne & Derbyshire and have plenty of useful tips to help you through the process. Trust the Professionals First and most importantly, you should always enlist the help of a professional estate agent to help you in your property search. Yes, of course, we are biased, but trust us, a knowledgeable, local estate agent will save you hours of time, not only during your initial search but also when it comes to viewing suitable properties, making an offer and negotiating a deal, right through to exchange and completion. It’s important you choose a reputable estate agent that you like and trust, that you understand the service offered and are happy with their contract terms and fees. In fact, the ideal estate agent is not always the one with the most sales under their belt, or the one with the most years in business. The ideal agent is the one who listens to you, is easy to get along with, is interested in your requirements and has the tools and skills to address your unique situation. Professional expertise is of course, important when choosing your estate agent, but interpersonal skills are equally important. After all, you'll be working together for anywhere between 2 to 12 months, so it helps to get along! We all have unique personalities, and that's the way it should be. But when working with someone professionally, if helps if their personality fits well with your own. At Bennet Samways we understand that every home buyer is unique and brings a different set of circumstances to the table. We pride ourselves on our customer service and are a friendly bunch with many years of experience under our belts so when you choose us to help you buy or sell your home in Ashbourne & Derbyshire you can be certain of excellent service. However, before you get carried away with deciding how many bedrooms you need, or the colour you will paint your sitting room, or which location you prefer, the second aspect you must consider and assess is your financial situation, as it’s likely that to fund the purchase of your new home, you will require a mortgage. Here at Bennet Samways we will also be happy to recommend financial service providers in Ashbourne & Derbyshire who can help you with this aspect of your property journey. Review your Financials The financial part is the most important one. This will involve working with a professional who will check your credit score, look at your monthly income, your proof of employment, the deposit you have available and will ensure you have funds available to pay for fees and expenses at the close of the transaction. As reputable and professional estate agents, our staff at Bennet Samways are trained to assist you through this financial process where needed. Alongside financial assistance, our staff will look closely at your property needs and establish your criteria. We will then search for properties that match your needs in Ashbourne & Derbyshire and surrounding areas and make a shortlist of all those that fit your requirements. Accompanied viewings are standard allowing you to take your time when viewing properties with no pressure, and a negotiator will always be on hand to answer any questions you have about the property or indeed the local area. The easiest move you will make Our staff are knowledgeable, friendly and professional and will endeavour to ensure buying a property in Ashbourne & Derbyshire is the most stress free move you will ever make! Working with a reputable estate agent will save you time and is the absolute best way to find the perfect property for you. We will always negotiate the best deal and make sure you are kept updated via our sales progression team all the way through to exchange and completion. Contact us today on 01335 818550 for an informal chat or call our office and discover how we can help you, whether you are buying or selling your home in Ashbourne & Derbyshire. We will be delighted to meet you. Frequently Asked Questions About Finding the Right Estate Agent Why should I use a professional estate agent when searching for a property? Using a professional estate agent can save you time and hassle, as they guide you through every step of the process, from searching and viewing properties to making offers and completing the deal. What should I look for when choosing an estate agent? Look for an estate agent who listens to your needs, is easy to communicate with, and has a good understanding of the local market. It’s important that you feel comfortable and trust them. How can local estate agents help with my financial situation? Our team at Bennet Samways can recommend local financial service providers who can assist you with mortgages and assess your financial readiness for buying a home. ...
Mar 24, 2025
How To Find Out When A Property Was Built
If you’re selling your home, you may need to find out when exactly the property was built. Finding out is usually very easy. But, sometimes, limited data is available about when a property was developed – so you may need to do some digging. Thankfully, there are multiple ways to find out when a property was built to help you when you’re selling your home. If you need to know when your house was built, here’s an overview of some of the different ways you can find out the exact year. Contact HM Land Registry One of the most reliable ways to find out when a house was built is to contact HM Land Registry. They keep records of land ownership and can usually provide information about who bought the land and when – which can tell you the approximate age of your home. Contact the Local Authority Sometimes, local authorities hold archives around when planning permission was requested on the land to build your home, which can help you find out when your home was built. Check Previous Mortgage Surveys If the property has a mortgage and a survey was undertaken, this will usually contain information about what year the property was built. Ask the Previous Owner Another great way of finding out when your house was built is to ask the previous owner. This is especially helpful if you can’t find any records online about your property and its history. Speak to Neighbours It’s not uncommon to have neighbours who have lived in a house all their lives, so they may know exactly when your house was built. If there are homes similar to yours nearby, speak to your neighbours to see if you can find out a date. Ask a Local Historian If you want to know more than just the year your property was built (like the exact date, who built it and more information about the previous owners), you can ask a local historian or someone that specialises in researching the local area. If you have an older home, this can be particularly helpful to understand more about its history – which can be a great talking point with potential buyers! Ask an Estate Agent As your local estate agent, we have a wealth of information about properties in Ashbourne & Derbyshire. If you’re selling your home and need to know when it was built, ask us for advice and we will do our best to help. Need Property Advice in Ashbourne & Derbyshire? If you need help finding out when your Ashbourne & Derbyshire house (or a house you’re interested in buying) was built, Bennet Samways are your local property experts. Our friendly team of estate agents are happy to help answer your questions about properties in the area. Get in touch today for a chat or to book a valuation by calling us on 01335 818550 or sending us an email at stuart@bennetsamways.co.uk. ...
Feb 15, 2025
How To Deal With Your Energy Supplier When Moving Home In Ashbourne
The process of moving home in Ashbourne & Derbyshire can become highly stressful. With a seemingly endless to-do list, mounting cardboard boxes and looming deadlines, getting in touch with energy suppliers is often pushed to the bottom of the pile. However, failing to notify your energy supplier in enough time can result in you being overcharged and adding further stress later down the line. Here's your complete guide to dealing with energy suppliers when moving home in Ashbourne & Derbyshire. [caption id="attachment_2394" align="alignnone" width="640"] A money bag with the word Utilities and a family. The concept of saving money for the payment of utilities. The accumulation of money. A large debt. Electricity bill, heating. Debt repayment[/caption] First, Let Your Current Supplier Know Once your move dates are confirmed, you should let your current energy supplier know. They will require a few personal details alongside your move date and forwarding address. Some may also ask for the new occupiers' names to keep their records up to date. You should always give them at least 48 hours' notice, but an extra few days can help you get your affairs in order. Take a good look at your account and figure out whether you are on credit or debit. This way, you will know roughly what to expect from your final bill. Your supplier will likely ask if you would like to transfer your plan to your new property. It is recommended you instead wait until you have moved, and assess your options. Provide a Final Meter Reading To calculate your bill efficiently, your supplier will require a final meter reading. This way, it is guaranteed you are not overpaying for electricity that you have not used. You should complete this meter reading on the morning that you vacate your home. Send a copy of this information to the new owners and your estate agents for extra peace of mind that you all have the correct information. Find Out Who Your New Supplier Is Sellers should pass this information on to the estate agents; however, this sometimes slips the mind. To find out who your new gas supplier is, use the Find My Supplier website. The Energy Network Association can be used to find out your electricity provider. Notify Your New Supplier You should take meter readings on the day you move into your new property. Ordinarily, the estate agents handing you the keys will be available to show you where the meter is and take a copy of the reading for their records. Send a copy of the reading to your new supplier, who will be able to calculate your ongoing bill. You should choose a flexible plan which allows you to exit at any time. You will likely find a more affordable plan elsewhere, and this way, you can avoid expensive exit fees. It is beneficial to also send a copy to the previous owner or landlord. This will help ensure that everyone's records align and no one is caught out with an unexpected charge. Find the Right Settings Don't forget that you are inheriting someone else's heating system, who probably had different preferences to you. Check the timers and temperatures already in place to see if they fit in with your family's needs. Otherwise, you might be unnecessarily burning through energy and cash! Search for the Best Deal The supplier of the previous occupier may not necessarily be the most economical option. Although you will owe them for your initial days in the home, you should head to one of the many price comparison websites to secure the best deal. It may also be worthwhile to arrange a smart meter installation which can save your household heaps of money as well as the hassle of submitting regular meter readings. Set Up a Direct Debit The easiest way to pay your monthly energy bill is via direct debit. You will generally pay the same monthly instalment, which can then be slightly adjusted either way in accordance with the meter readings you submit. At this point, it's also worthwhile to check your records with the supplier from your previous home. Ensuring that you have paid any outstanding balance or claimed your refund will prevent any reminders from being issued in the weeks and months to come. Other Suppliers to Notify Council tax Water Broadband & landline Car registration and insurance Home Insurance TV licence Healthcare services (doctor, dentist, optician) Bank Stay Organised The key to a smooth home move is undoubtedly organisation. Understandably, many movers put off contacting their utility companies, either because of logistical stress, or to delay payments. However, attempting to delay these bills will only result in a much heftier sum when it does arrive on your doorstep! Talk to Your Local Estate Agents If you have any questions, please do get in touch. Bennet Samways are your local property experts for the Ashbourne & Derbyshire area. Call us on 01335 818550 or email stuart@bennetsamways.co.uk to see how we can help. Frequently Asked Questions About Changing Energy Suppliers When Moving How far in advance should I notify my energy suppliers of my move? You should notify your energy suppliers at least two weeks before your move to ensure a smooth transition of services. This gives them enough time to process your request and provide you with a final bill. What information do I need to provide my new energy supplier? You will need to provide your new address, meter readings, and contact information to your new energy supplier. They may also require your previous supplier's name and account number. Can I keep my current energy tariff when I move? You may be able to transfer your current tariff to your new address, but this depends on your supplier's policies and the availability of the tariff in your new area. It's advisable to compare offers from different suppliers to find the best deal for your new home. How can I save money on my energy bills when moving? To save money on your energy bills, compare tariffs from different suppliers, take meter readings regularly, and consider energy-efficient appliances and lighting. You can also use smart meters to track your energy consumption and identify areas for savings. ...
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