Current Listings
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Guide Price £790,000
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Guide Price £425,000
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Guide Price £635,000
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Guide Price £440,000
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Guide Price £558,000
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Guide Price £650,000
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Guide Price £550,000
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Guide Price £205,000
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Guide Price £220,000
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Guide Price £950,000
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Guide Price £299,950
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Guide Price £425,000
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Guide Price £343,000
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£300,000
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£275,000
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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 2023.
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
Nov 15, 2024
Everything You Need to Know About Purchasing a Second Property in Ashbourne & Derbyshire
Although second home owners are still in the minority, the number of people in the UK who have bought another property has increased dramatically over the past few decades, with over 10% of British adults now owning a second home. There are several reasons why people buy second homes, and if you’re thinking of joining the ranks of second homeowners, you need as much information as possible. If you’re considering buying another property in Ashbourne & Derbyshire, here is our expert advice. Why Do People Purchase Second Homes? Everyone has their own reason for buying multiple properties but the three main reasons why people purchase second homes are: As an investment. The private rental sector represents a great investment opportunity for prospective landlords, so it isn’t too surprising that one of the main reasons for buying another property is as an extra form of revenue. As a holiday property. Whether in the UK or abroad, buying holiday homes is becoming increasingly popular. For somebody else. Buying a property for a family member, typically a child, may be a less popular reason to purchase a second home, but it happens fairly often. How Can I Buy Another Property? There are several ways in which you can buy another property including securing a second mortgage, buying with cash, or using the equity you have in your existing home. Although some people believe that homeowners must pay off their mortgage before they obtain another, this isn’t actually the case. It’s possible to have two concurrently-running mortgages. You will, however, have to be able to show you’re able to afford a second mortgage, have an excellent credit rating, and have a large deposit available. If your existing property already has plenty of equity, it’s possible to release it by remortgaging and then using the money to cover some or all of your new purchase. Which Other Costs Should I Consider When Purchasing A Second Home? As well as the cost of buying a second home, there are some extra costs to bear in mind. The most significant is the stamp duty levied on second properties, which at present stands at 3% of the purchase price. There is also Capital Gains Tax to pay when selling a second home, although that may not be too much of a concern depending on when, or if, you’re planning on selling up. Don’t forget, too, that council tax must be paid on second homes, although if you’re planning on renting out the property, the tenants can take over responsibility for making the payments. Where Can I Get More Advice About Buying Second Homes? If you’re considering purchasing a second home in Ashbourne & Derbyshire, the experienced team at Bennet Samways is on hand to give you all the advice and information you need. We can help you find your perfect second home, so give us a call on 01335 818550 or send an email to stuart@bennetsamways.co.uk. We’re looking forward to hearing from you....
Nov 15, 2024
Latest Property Market Update November 2024
As November comes to an end, the UK property market reveals key trends that shape buying, selling, renting, and letting activities. Shifts in the economy, regional differences in house prices, and changes in rental demand are shaping the property market in Ashbourne & Derbyshire. This months update looks at the key trends and insights to help you stay ahead in the market. Market Overview The Office for National Statistics (ONS) reported that average UK house prices increased to £293,000 in August 2024, reflecting a 2.8% annual increase from the previous year. This growth is driven by consistent demand, with regional variations: England’s average price was £310,000 (up 2.3%), Wales £223,000 (up 3.5%), and Scotland £200,000 (a notable rise of 5.4%). Meanwhile, private rent inflation remains high, with average UK private rents rising by 8.4% in the 12 months to September 2024. Average monthly rents in England reached £1,336, with London seeing the highest growth (9.8%). *Data from ONS October 2024 Bulletin Navigating the Market as a Buyer The Bank of England recently adjusted its base interest rate to 4.75%, improving mortgage affordability for many buyers. This adjustment has made mortgage rates more competitive, offering prospective homebuyers in Ashbourne & Derbyshire an opportunity to access lower monthly payments and enhanced affordability compared to the peak rate levels seen in previous months. Lower interest rates can also boost buyer confidence, encouraging more first-time buyers and existing homeowners to consider entering the market or remortgaging for improved terms. Tip for Buyers: Securing a mortgage pre-approval before beginning to search for property in Ashbourne & Derbyshire not only demonstrates your commitment to proceed but also gives you a clear understanding of your budget. This proactive approach makes you stronger in a competitive market, particularly when competing against cash buyers or those without mortgage pre-approval. Maximising Your Sale Success Sellers are seeing increased market activity. Recent Rightmove data indicates a 27% rise in sales agreed year-on-year, reflecting strong demand, though buyers remain price-conscious due to economic factors including cost-of-living pressures and mortgage rate fluctuations. For sellers, this means striking the right balance in pricing is critical to capturing buyer interest while remaining competitive. Not on the market yet? Bennet Samways is your local estate agent in Ashbourne & Derbyshire. To request a valuation please call 01335 818550. Tip for Sellers: Setting the right price for your property in Ashbourne & Derbyshire is crucial for attracting serious buyers quickly. We will expertly value your home so that you achieve the price you deserve for your property. Additionally, you may wish to consider staging your home for viewings. Decluttering, making necessary repairs, and enhancing kerb appeal can all elevate buyer interest, potentially leading to faster offers at or above the asking price. Landlord Strategies for a Changing Market The rental market remains buoyant, with average UK rents climbing significantly over the past year, driven by strong demand and limited supply in many regions. Rising rental costs have made it increasingly competitive for tenants, especially in high-demand areas such as Ashbourne & Derbyshire. However, landlords need to be mindful of policy changes, such as the 2% increase in Stamp Duty Land Tax on additional properties. This adjustment may affect long-term investment strategies, potentially prompting a reassessment of portfolio growth, returns, and the viability of new property acquisitions. Tip for Landlords: Understanding legislative changes is critical for maximising rental yield in Ashbourne & Derbyshire. Regularly review your rental portfolio with a property tax advisor to assess the implications on tax relief, deductions, or changes in tenant rights. Consider investing in energy efficiency improvements, as government incentives and tenant demand for greener homes may lead to longer tenancies and reduced void periods. Communication with tenants about their expectations and maintenance needs can also build stronger relationships, minimising costly turnover. Securing Your Next Home as a Renter Renters face a highly competitive market, characterised by strong demand for available properties and rapidly shifting rental prices. The government is working to make housing more affordable by expanding social housing options and giving tenants more rights, aiming to ease the pressure on renters struggling with rising costs. However, while these measures offer hope, the market remains difficult for many renters, particularly in high-demand areas where supply remains constrained. Tip for Renters: Begin your search for rental properties in Ashbourne & Derbyshire well in advance to increase your chances of finding a suitable home. Ensure you have necessary documents, such as identification, proof of income, and references, ready prepared for quick submission. A solid credit score and positive rental history can give you an advantage over other applicants. If negotiating with landlords, emphasise your stability and reliability to potentially secure more favourable lease terms. Oldest, Largest, Smallest! Did you know that the UK’s oldest surviving house is over 11,000 years old and located at Star Carr in North Yorkshire? The dwelling offers insight into Britain’s early settlement patterns, illustrating how the evolution of housing has shaped today’s market landscape. From the oldest to the largest! The UK's biggest private residence, Wentworth Woodhouse in South Yorkshire has over 300 rooms and spans 250,000 square feet. Its grand Baroque and Palladian architecture is an incredible example of Britain's rich historical legacy and reflects how luxury and scale remain a unique part of the property market. In stark contrast, one of the UK's smallest detached houses, at just 290 square feet, was recently marketed for £1.2million in Chelsea, West London, which highlights the creativity and premium pricing often found in high-demand urban areas. Looking Ahead The UK property market is expected to remain stable as 2024 closes, with potential growth of 2.5% to 4% predicted over the next two years. Economic shifts, interest rate adjustments, and evolving housing policies will continue to shape market trends. Bennet Samways brings you all the latest property market news each month. For more localised property news in Ashbourne & Derbyshire, please contact the team at Bennet Samways on 01335 818550 or stuart@bennetsamways.co.uk. Note: The information in this article is based on data as of November 2024 and may change. Always seek professional advice for specific circumstances....
Oct 25, 2024
The Definitive Guide to Staging Your Home in Ashbourne & Derbyshire
The property market can be very competitive, even cutthroat in some areas of the UK. So, when it comes to putting your home in Ashbourne & Derbyshire up for sale, you’ll want to make an effort as soon as possible. That’s why many sellers are now spending time ‘staging’ their houses, which basically means ensuring they look their best. Here’s our guide to staging your home in Ashbourne & Derbyshire, and how doing so could help you land a quick sale. Selling Can be a Slow Process There's no getting away from it; many factors have hit the UK housing market, from the tightening of lending guidelines to political uncertainty. According to recent data from leading property website Rightmove it takes on average, 65 days from the initial listing to the completion of the sale. This may appear a reasonable timeframe, however, this is just an average. Some properties may sell much faster, and others may take several months to sell. Even if you are in an area where properties get snapped up immediately, don’t be too complacent. You never know what the competition will be like or what factors might suddenly affect the sale of your home, so it’s still imperative to make your home as attractive as possible. Ways to Stage Your Home There are many different ways your home can be staged, but whichever way you choose, ‘staging’ just means showing your home in the best possible light. In some cases, it simply means decluttering and moving things around, while some people go as far as changing room colours and renting furniture. For homes at the higher end of the market, you can even hire a professional who’ll really show off the best features of your property. Here are some of the steps you should go through when staging a home. Get objective opinions about your home Your home is your castle, and no doubt you’ve carefully chosen every aspect, from the colour of your paintwork to the carpets. However, taste is subjective, so it’s important to get some outside opinions. As estate agents in Ashbourne & Derbyshire we are very good at this, as we know what sells a home and what might be setting it back - don't forget, we hear unfiltered opinions when we show people around your property. Look at similar homes in your area that have sold quickly and note their interior design, layout and their general vibe. In certain areas, particular styles of homes will sell faster, so pay attention to what buyers are looking for. Set a budget Prices for home staging can vary wildly, from practically zero if you’re just sprucing up your home yourself to thousands of pounds if you’re staging a luxury property and employing the services of a professional home staging company. If you’re serious about staging and are going to rent furniture and decorate certain rooms, it’s not unrealistic to spend a couple of thousand pounds. While this might sound like a lot, keep in mind that it’s just a small percentage of your asking price, so it may be worth the investment. Focus on the important rooms You may not have the budget to stage your entire home, so focus on rooms that really matter. Our experience tells us that the living room is the most important room to stage, followed by the master bedroom, as these are usually the first photos seen within your online property listing. When it comes to living areas, decluttering and maximising light should be a priority, ensuring they look as large as possible. However, don’t feel as though you have to remove all the personality from the room. A few photos, cushions and throws keep a cosy, liveable feel without cluttering. Bathrooms should have neatly folded towels, and kitchens should have a bowl of fresh fruit or some fresh flowers on display. Get the right furniture for the space The layout of your furniture is one of the key elements of staging. You want to create space, yet still keep the room looking functional. Stripping rooms of furniture can sometimes be a negative for buyers. For example, if they see a bedroom without a bed in it, they may be wondering whether their king-size will fit, or whether they’ll be constantly bashing their knees on it. Certain pieces of furniture are the focal point of a room, and if they’re looking a bit tired or worn-out, then it drags down the room. If your sofa has been well-loved by children and dogs, consider putting it in storage and renting a clean, modern one whilst you’re having viewings. Get the Right Advice on the Property Market Staging your home isn’t as complex as it sounds. It largely involves making your home as appealing as possible to as many buyers as possible, which in turn will help it sell faster. Whether you do it yourself or bring in a professional, it could mean your home spends less time on the market! For more advice on property matters, contact the team at Bennet Samways on 01335 818550 or call in and see us. Frequently Asked Questions About Staging a Home How important is staging the dining room? While the living room and master bedroom are key, consider staging the dining room too. Showcase its functionality by setting the table attractively. Do I need a lot of storage space for home staging? Declutter ruthlessly! Limited storage space is less noticeable when buyers see a clean, uncluttered room. Should I remove my coffee table when staging the living room? Not necessarily. Arrange furniture for conversation areas. A coffee table can be a focal point, but ensure enough space to move around comfortably. How can I make the most of natural light when staging my home? Open curtains and blinds throughout the day. Arrange furniture to avoid blocking natural light. This creates a bright and airy feel, a major selling point for potential buyers....
Oct 25, 2024
First Time Buyer? 4 Easy Ways to Improve Your Credit Score
First Time Buyer? 4 Easy Ways to Improve Your Credit Score When you take out your first mortgage, as with any financial product, you’ll have to go through a credit check to ensure your credit limits are appropriate. It’s normal to feel apprehensive about this process, as let’s face it, few of us have perfect credit. That’s why it’s worth trying to improve your credit score in the months before you apply for a mortgage, as a better score within your credit accounts can mean lower rates and a wider choice of lenders. With this in mind, here are four ways you can improve your credit score. 4 Ways to Improve Credit Scores Get a copy of your credit report There are lots of free and paid for credit report services in the UK, enabling you to access your information. We recommend you go directly to the three main credit reference agencies; Experian, Equifax and TransUnion (formerly Callcredit). When running your credit check, your lender or broker will usually use one or a combination of these services. Once you have your credit report, check it carefully for errors. It’s important to do this well in advance of applying for your mortgage, as it can take a while for changes to take effect. Some things that could be dragging down your credit rating include: Not being on the electoral register Late or missing bill payments Taking out a lot of credit in comparison to income Being financially linked to someone with bad credit, i.e. an ex partner Whilst you can’t erase a bad credit history, you can draw a line under it and become better with money, as well as correcting any mistakes that are bringing down your score. Borrow responsibly There’s one thing that can be just as worrying to lenders as a bad credit history, and that’s having no credit history at all. If you live with your parents and have never had a loan, credit card or car payments, then it’s possible you may have barely any credit history. This may seem like a good thing to you, but the reasons why lenders might find this troublesome is that they don’t know if you’re any good at handling money! If you’ve never had to balance a budget and pay off a utility bill every month, then how do they know if you can cope with making mortgage payments? The simplest solution to this is to borrow small amounts and pay them off monthly, before the interest charges kick in. Get a credit card* and use it for your day-to-day expenses, paying it in full each month. This will help you build a credit score. Just be careful not to be tempted to overspend. *The information above is for your general information and is not intended to address your particular requirements. In particular, the information does not constitute any form of advice or recommendation by Bennet Samways and is not intended to be relied upon by users in making (or refraining from making) any financial decisions. Appropriate independent advice should be obtained before making any such decision. Any arrangement made between you and any third party is at your sole risk and responsibility. Don’t max out cards - and do pay more than the monthly minimum When you apply to borrow money, whether it’s a credit card or car finance, you get a credit limit, which is the maximum amount a lender will be willing to lend you. It’s important to realise that this is a limit, not a goal, so never go over it. Try to pay down any credit cards and loans as much as possible before you apply for a mortgage, as having cards close to their limit instantly lowers your score. You should also make sure you pay more than the minimum each month on credit cards. If you pay the minimum, you’re just paying off the interest, so your debt never really goes down. There are online calculators that you can use to work out how long it will take to pay off your cards, so take a look at what a difference an extra payment of £10 or £20 per month can make to your overall balance. Pay on time If you’re the type who pays their bills whenever they remember, and regularly misses payments by a few days, then get out of bad financial habits now. Draw up a spreadsheet of your outgoings and which day they are due, and make sure that you pay bills a few days before this to allow the payments time to go through. If making manual payments is a pain, then consider setting up direct debits that debit your account soon after payday, so there’s no excuse to miss any. Getting a Good Credit Score can Improve Your Chances of Buying Your Dream Home Getting a better credit score can help you as a first time buyer, enter the mortgage market. It shows that you’re responsible with money and gives you a better opportunity to see the best mortgage deals. Many first time buyers only have a small deposit, so may be looking to borrow 90-95% of a property’s value, and to get these kinds of mortgages, you’ll need a great credit rating and no adverse credit on your file. Contact the team at Bennet Samways on 01335 818550 for more first time buyer property advice! Frequently Asked Questions About Improving Your Credit Score Do I need to pay to check my credit report? No, there are free credit report services in the UK via a credit reference agency. You can access your report directly from the three main credit reference agencies: Experian, Equifax, and Callcredit. What can negatively impact my credit score? Missed payments on bills, having a high credit card account balance, and not being registered to vote can all lower your credit score. How can I build a credit history if I’ve never borrowed money? Consider getting a secured credit card*. These require a deposit but function like a regular credit card, helping you build a positive credit history. Will paying my bills a few days late hurt my credit score? Yes, consistently missing payments or making late payments from your bank accounts can significantly damage your credit score. Set up automatic payments from a bank account or reminders to avoid missed payments. Important footnote: *The information in this article is for your general information and is not intended to address your particular requirements. In particular, the information does not constitute any form of advice or recommendation by Bennet Samways and is not intended to be relied upon by users in making (or refraining from making) any financial decisions. Appropriate independent advice should be obtained before making any such decision. Any arrangement made between you and any third party is at your sole risk and responsibility. ...
Nov 15, 2024
Everything You Need to Know About Purchasing a Second Property in Ashbourne & Derbyshire
Although second home owners are still in the minority, the number of people in the UK who have bought another property has increased dramatically over the past few decades, with over 10% of British adults now owning a second home. There are several reasons why people buy second homes, and if you’re thinking of joining the ranks of second homeowners, you need as much information as possible. If you’re considering buying another property in Ashbourne & Derbyshire, here is our expert advice. Why Do People Purchase Second Homes? Everyone has their own reason for buying multiple properties but the three main reasons why people purchase second homes are: As an investment. The private rental sector represents a great investment opportunity for prospective landlords, so it isn’t too surprising that one of the main reasons for buying another property is as an extra form of revenue. As a holiday property. Whether in the UK or abroad, buying holiday homes is becoming increasingly popular. For somebody else. Buying a property for a family member, typically a child, may be a less popular reason to purchase a second home, but it happens fairly often. How Can I Buy Another Property? There are several ways in which you can buy another property including securing a second mortgage, buying with cash, or using the equity you have in your existing home. Although some people believe that homeowners must pay off their mortgage before they obtain another, this isn’t actually the case. It’s possible to have two concurrently-running mortgages. You will, however, have to be able to show you’re able to afford a second mortgage, have an excellent credit rating, and have a large deposit available. If your existing property already has plenty of equity, it’s possible to release it by remortgaging and then using the money to cover some or all of your new purchase. Which Other Costs Should I Consider When Purchasing A Second Home? As well as the cost of buying a second home, there are some extra costs to bear in mind. The most significant is the stamp duty levied on second properties, which at present stands at 3% of the purchase price. There is also Capital Gains Tax to pay when selling a second home, although that may not be too much of a concern depending on when, or if, you’re planning on selling up. Don’t forget, too, that council tax must be paid on second homes, although if you’re planning on renting out the property, the tenants can take over responsibility for making the payments. Where Can I Get More Advice About Buying Second Homes? If you’re considering purchasing a second home in Ashbourne & Derbyshire, the experienced team at Bennet Samways is on hand to give you all the advice and information you need. We can help you find your perfect second home, so give us a call on 01335 818550 or send an email to stuart@bennetsamways.co.uk. We’re looking forward to hearing from you....
Nov 15, 2024
Latest Property Market Update November 2024
As November comes to an end, the UK property market reveals key trends that shape buying, selling, renting, and letting activities. Shifts in the economy, regional differences in house prices, and changes in rental demand are shaping the property market in Ashbourne & Derbyshire. This months update looks at the key trends and insights to help you stay ahead in the market. Market Overview The Office for National Statistics (ONS) reported that average UK house prices increased to £293,000 in August 2024, reflecting a 2.8% annual increase from the previous year. This growth is driven by consistent demand, with regional variations: England’s average price was £310,000 (up 2.3%), Wales £223,000 (up 3.5%), and Scotland £200,000 (a notable rise of 5.4%). Meanwhile, private rent inflation remains high, with average UK private rents rising by 8.4% in the 12 months to September 2024. Average monthly rents in England reached £1,336, with London seeing the highest growth (9.8%). *Data from ONS October 2024 Bulletin Navigating the Market as a Buyer The Bank of England recently adjusted its base interest rate to 4.75%, improving mortgage affordability for many buyers. This adjustment has made mortgage rates more competitive, offering prospective homebuyers in Ashbourne & Derbyshire an opportunity to access lower monthly payments and enhanced affordability compared to the peak rate levels seen in previous months. Lower interest rates can also boost buyer confidence, encouraging more first-time buyers and existing homeowners to consider entering the market or remortgaging for improved terms. Tip for Buyers: Securing a mortgage pre-approval before beginning to search for property in Ashbourne & Derbyshire not only demonstrates your commitment to proceed but also gives you a clear understanding of your budget. This proactive approach makes you stronger in a competitive market, particularly when competing against cash buyers or those without mortgage pre-approval. Maximising Your Sale Success Sellers are seeing increased market activity. Recent Rightmove data indicates a 27% rise in sales agreed year-on-year, reflecting strong demand, though buyers remain price-conscious due to economic factors including cost-of-living pressures and mortgage rate fluctuations. For sellers, this means striking the right balance in pricing is critical to capturing buyer interest while remaining competitive. Not on the market yet? Bennet Samways is your local estate agent in Ashbourne & Derbyshire. To request a valuation please call 01335 818550. Tip for Sellers: Setting the right price for your property in Ashbourne & Derbyshire is crucial for attracting serious buyers quickly. We will expertly value your home so that you achieve the price you deserve for your property. Additionally, you may wish to consider staging your home for viewings. Decluttering, making necessary repairs, and enhancing kerb appeal can all elevate buyer interest, potentially leading to faster offers at or above the asking price. Landlord Strategies for a Changing Market The rental market remains buoyant, with average UK rents climbing significantly over the past year, driven by strong demand and limited supply in many regions. Rising rental costs have made it increasingly competitive for tenants, especially in high-demand areas such as Ashbourne & Derbyshire. However, landlords need to be mindful of policy changes, such as the 2% increase in Stamp Duty Land Tax on additional properties. This adjustment may affect long-term investment strategies, potentially prompting a reassessment of portfolio growth, returns, and the viability of new property acquisitions. Tip for Landlords: Understanding legislative changes is critical for maximising rental yield in Ashbourne & Derbyshire. Regularly review your rental portfolio with a property tax advisor to assess the implications on tax relief, deductions, or changes in tenant rights. Consider investing in energy efficiency improvements, as government incentives and tenant demand for greener homes may lead to longer tenancies and reduced void periods. Communication with tenants about their expectations and maintenance needs can also build stronger relationships, minimising costly turnover. Securing Your Next Home as a Renter Renters face a highly competitive market, characterised by strong demand for available properties and rapidly shifting rental prices. The government is working to make housing more affordable by expanding social housing options and giving tenants more rights, aiming to ease the pressure on renters struggling with rising costs. However, while these measures offer hope, the market remains difficult for many renters, particularly in high-demand areas where supply remains constrained. Tip for Renters: Begin your search for rental properties in Ashbourne & Derbyshire well in advance to increase your chances of finding a suitable home. Ensure you have necessary documents, such as identification, proof of income, and references, ready prepared for quick submission. A solid credit score and positive rental history can give you an advantage over other applicants. If negotiating with landlords, emphasise your stability and reliability to potentially secure more favourable lease terms. Oldest, Largest, Smallest! Did you know that the UK’s oldest surviving house is over 11,000 years old and located at Star Carr in North Yorkshire? The dwelling offers insight into Britain’s early settlement patterns, illustrating how the evolution of housing has shaped today’s market landscape. From the oldest to the largest! The UK's biggest private residence, Wentworth Woodhouse in South Yorkshire has over 300 rooms and spans 250,000 square feet. Its grand Baroque and Palladian architecture is an incredible example of Britain's rich historical legacy and reflects how luxury and scale remain a unique part of the property market. In stark contrast, one of the UK's smallest detached houses, at just 290 square feet, was recently marketed for £1.2million in Chelsea, West London, which highlights the creativity and premium pricing often found in high-demand urban areas. Looking Ahead The UK property market is expected to remain stable as 2024 closes, with potential growth of 2.5% to 4% predicted over the next two years. Economic shifts, interest rate adjustments, and evolving housing policies will continue to shape market trends. Bennet Samways brings you all the latest property market news each month. For more localised property news in Ashbourne & Derbyshire, please contact the team at Bennet Samways on 01335 818550 or stuart@bennetsamways.co.uk. Note: The information in this article is based on data as of November 2024 and may change. Always seek professional advice for specific circumstances....
Oct 25, 2024
The Definitive Guide to Staging Your Home in Ashbourne & Derbyshire
The property market can be very competitive, even cutthroat in some areas of the UK. So, when it comes to putting your home in Ashbourne & Derbyshire up for sale, you’ll want to make an effort as soon as possible. That’s why many sellers are now spending time ‘staging’ their houses, which basically means ensuring they look their best. Here’s our guide to staging your home in Ashbourne & Derbyshire, and how doing so could help you land a quick sale. Selling Can be a Slow Process There's no getting away from it; many factors have hit the UK housing market, from the tightening of lending guidelines to political uncertainty. According to recent data from leading property website Rightmove it takes on average, 65 days from the initial listing to the completion of the sale. This may appear a reasonable timeframe, however, this is just an average. Some properties may sell much faster, and others may take several months to sell. Even if you are in an area where properties get snapped up immediately, don’t be too complacent. You never know what the competition will be like or what factors might suddenly affect the sale of your home, so it’s still imperative to make your home as attractive as possible. Ways to Stage Your Home There are many different ways your home can be staged, but whichever way you choose, ‘staging’ just means showing your home in the best possible light. In some cases, it simply means decluttering and moving things around, while some people go as far as changing room colours and renting furniture. For homes at the higher end of the market, you can even hire a professional who’ll really show off the best features of your property. Here are some of the steps you should go through when staging a home. Get objective opinions about your home Your home is your castle, and no doubt you’ve carefully chosen every aspect, from the colour of your paintwork to the carpets. However, taste is subjective, so it’s important to get some outside opinions. As estate agents in Ashbourne & Derbyshire we are very good at this, as we know what sells a home and what might be setting it back - don't forget, we hear unfiltered opinions when we show people around your property. Look at similar homes in your area that have sold quickly and note their interior design, layout and their general vibe. In certain areas, particular styles of homes will sell faster, so pay attention to what buyers are looking for. Set a budget Prices for home staging can vary wildly, from practically zero if you’re just sprucing up your home yourself to thousands of pounds if you’re staging a luxury property and employing the services of a professional home staging company. If you’re serious about staging and are going to rent furniture and decorate certain rooms, it’s not unrealistic to spend a couple of thousand pounds. While this might sound like a lot, keep in mind that it’s just a small percentage of your asking price, so it may be worth the investment. Focus on the important rooms You may not have the budget to stage your entire home, so focus on rooms that really matter. Our experience tells us that the living room is the most important room to stage, followed by the master bedroom, as these are usually the first photos seen within your online property listing. When it comes to living areas, decluttering and maximising light should be a priority, ensuring they look as large as possible. However, don’t feel as though you have to remove all the personality from the room. A few photos, cushions and throws keep a cosy, liveable feel without cluttering. Bathrooms should have neatly folded towels, and kitchens should have a bowl of fresh fruit or some fresh flowers on display. Get the right furniture for the space The layout of your furniture is one of the key elements of staging. You want to create space, yet still keep the room looking functional. Stripping rooms of furniture can sometimes be a negative for buyers. For example, if they see a bedroom without a bed in it, they may be wondering whether their king-size will fit, or whether they’ll be constantly bashing their knees on it. Certain pieces of furniture are the focal point of a room, and if they’re looking a bit tired or worn-out, then it drags down the room. If your sofa has been well-loved by children and dogs, consider putting it in storage and renting a clean, modern one whilst you’re having viewings. Get the Right Advice on the Property Market Staging your home isn’t as complex as it sounds. It largely involves making your home as appealing as possible to as many buyers as possible, which in turn will help it sell faster. Whether you do it yourself or bring in a professional, it could mean your home spends less time on the market! For more advice on property matters, contact the team at Bennet Samways on 01335 818550 or call in and see us. Frequently Asked Questions About Staging a Home How important is staging the dining room? While the living room and master bedroom are key, consider staging the dining room too. Showcase its functionality by setting the table attractively. Do I need a lot of storage space for home staging? Declutter ruthlessly! Limited storage space is less noticeable when buyers see a clean, uncluttered room. Should I remove my coffee table when staging the living room? Not necessarily. Arrange furniture for conversation areas. A coffee table can be a focal point, but ensure enough space to move around comfortably. How can I make the most of natural light when staging my home? Open curtains and blinds throughout the day. Arrange furniture to avoid blocking natural light. This creates a bright and airy feel, a major selling point for potential buyers....
Oct 25, 2024
First Time Buyer? 4 Easy Ways to Improve Your Credit Score
First Time Buyer? 4 Easy Ways to Improve Your Credit Score When you take out your first mortgage, as with any financial product, you’ll have to go through a credit check to ensure your credit limits are appropriate. It’s normal to feel apprehensive about this process, as let’s face it, few of us have perfect credit. That’s why it’s worth trying to improve your credit score in the months before you apply for a mortgage, as a better score within your credit accounts can mean lower rates and a wider choice of lenders. With this in mind, here are four ways you can improve your credit score. 4 Ways to Improve Credit Scores Get a copy of your credit report There are lots of free and paid for credit report services in the UK, enabling you to access your information. We recommend you go directly to the three main credit reference agencies; Experian, Equifax and TransUnion (formerly Callcredit). When running your credit check, your lender or broker will usually use one or a combination of these services. Once you have your credit report, check it carefully for errors. It’s important to do this well in advance of applying for your mortgage, as it can take a while for changes to take effect. Some things that could be dragging down your credit rating include: Not being on the electoral register Late or missing bill payments Taking out a lot of credit in comparison to income Being financially linked to someone with bad credit, i.e. an ex partner Whilst you can’t erase a bad credit history, you can draw a line under it and become better with money, as well as correcting any mistakes that are bringing down your score. Borrow responsibly There’s one thing that can be just as worrying to lenders as a bad credit history, and that’s having no credit history at all. If you live with your parents and have never had a loan, credit card or car payments, then it’s possible you may have barely any credit history. This may seem like a good thing to you, but the reasons why lenders might find this troublesome is that they don’t know if you’re any good at handling money! If you’ve never had to balance a budget and pay off a utility bill every month, then how do they know if you can cope with making mortgage payments? The simplest solution to this is to borrow small amounts and pay them off monthly, before the interest charges kick in. Get a credit card* and use it for your day-to-day expenses, paying it in full each month. This will help you build a credit score. Just be careful not to be tempted to overspend. *The information above is for your general information and is not intended to address your particular requirements. In particular, the information does not constitute any form of advice or recommendation by Bennet Samways and is not intended to be relied upon by users in making (or refraining from making) any financial decisions. Appropriate independent advice should be obtained before making any such decision. Any arrangement made between you and any third party is at your sole risk and responsibility. Don’t max out cards - and do pay more than the monthly minimum When you apply to borrow money, whether it’s a credit card or car finance, you get a credit limit, which is the maximum amount a lender will be willing to lend you. It’s important to realise that this is a limit, not a goal, so never go over it. Try to pay down any credit cards and loans as much as possible before you apply for a mortgage, as having cards close to their limit instantly lowers your score. You should also make sure you pay more than the minimum each month on credit cards. If you pay the minimum, you’re just paying off the interest, so your debt never really goes down. There are online calculators that you can use to work out how long it will take to pay off your cards, so take a look at what a difference an extra payment of £10 or £20 per month can make to your overall balance. Pay on time If you’re the type who pays their bills whenever they remember, and regularly misses payments by a few days, then get out of bad financial habits now. Draw up a spreadsheet of your outgoings and which day they are due, and make sure that you pay bills a few days before this to allow the payments time to go through. If making manual payments is a pain, then consider setting up direct debits that debit your account soon after payday, so there’s no excuse to miss any. Getting a Good Credit Score can Improve Your Chances of Buying Your Dream Home Getting a better credit score can help you as a first time buyer, enter the mortgage market. It shows that you’re responsible with money and gives you a better opportunity to see the best mortgage deals. Many first time buyers only have a small deposit, so may be looking to borrow 90-95% of a property’s value, and to get these kinds of mortgages, you’ll need a great credit rating and no adverse credit on your file. Contact the team at Bennet Samways on 01335 818550 for more first time buyer property advice! Frequently Asked Questions About Improving Your Credit Score Do I need to pay to check my credit report? No, there are free credit report services in the UK via a credit reference agency. You can access your report directly from the three main credit reference agencies: Experian, Equifax, and Callcredit. What can negatively impact my credit score? Missed payments on bills, having a high credit card account balance, and not being registered to vote can all lower your credit score. How can I build a credit history if I’ve never borrowed money? Consider getting a secured credit card*. These require a deposit but function like a regular credit card, helping you build a positive credit history. Will paying my bills a few days late hurt my credit score? Yes, consistently missing payments or making late payments from your bank accounts can significantly damage your credit score. Set up automatic payments from a bank account or reminders to avoid missed payments. Important footnote: *The information in this article is for your general information and is not intended to address your particular requirements. In particular, the information does not constitute any form of advice or recommendation by Bennet Samways and is not intended to be relied upon by users in making (or refraining from making) any financial decisions. Appropriate independent advice should be obtained before making any such decision. Any arrangement made between you and any third party is at your sole risk and responsibility. ...
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