Top Tips For First Time House Buyers

One of the biggest challenges in adulthood is making the move to get on the property ladder and buying your first home.

You may have been renting a house in Bootle for a time, or living at home with your parents, but at some point you start to think about owning your own place.

If you are paying rent, then why not pay a mortgage on a house that one day will add in value and become and asset.

Getting started is the hardest part, so here are some tips to help you on the way.

Start Saving Early

Get a head start - James Kristian

The early bird catches the worm they say, and this is especially true when it comes to saving, the earlier the better.

Budgeting is key when it comes to saving, and if you are serious about getting a deposit together then it pays to have a plan.

Whether you get paid weekly or monthly you have to have a saving plan in place, so you have to know ‘your number’ i.e. the minimum amount of money you need to cover the essentials.

Factor travel money for work, rent, utility bills and any other essentials, then what you have left work out the maximum you can afford to save towards your deposit.

Open up a Help to Buy ISA and set up a direct debit so you automate your savings process, and as an added bonus the government will add a 25% bonus to your savings.

If you haven’t already then start today, the earlier you get going the quicker you will have your deposit.

Workout Your Price Range

Property Values - James Kristian

One of the best things to do when you are starting out your search is to find out how much you can borrow for your mortgage.

The best way to do this is to speak to an independent mortgage advisor, they will take all your details, how much you earn etc, and then they can look at a range of mortgage products, and DIP you.

Which means a ‘decision in principle’ by a mortgage provider; this will also tell you how much you can borrow for your mortgage.

Its important to speak to a mortgage advisor at the start of your process, as this will give you a realistic figure for you to work with, then you can start looking for properties that fall within your budget.

Time To Do Your Research

Explore your options - James Kristian

Now you have a figure in place, and a mortgage in principle its time to research properties in your price range.

Do you want to buy a house or an apartment? Do you have a specific area in mind?

You may want to stay close to work, or have good transport links, these are all important things to consider when looking for place to buy.

So thorough research is a vital part of the process as you consider what you can afford, what type of property you want, and where you want to live.

Get Your Ducks In A Row

Get your ducks in a row - James Kristian

Now you are actively looking for your first home its important to make sure you have all the correct items for the purchase.

To be considered for a mortgage you will have to provide proof of income, utility bills and bank statements.

So make sure you can have easy access to all the essential paperwork, it is best to plan in advance and know where they are.

If you start the process and the provider asks you for your financial details, you can delay the process for yourself if you don’t have everything to hand.

So plan ahead and get your paperwork in order before you start making offers.

Start Your Search

Start your search - James Kristian

Now you have everything in place its time to start looking for your new home. You can search online at your local estate agents, or use Right Move to look for properties.

You can use filters to set your location and price range, and this will return a range of properties that fit your requirements.

This is an excellent way to start the viewing process, once you have a list of properties you’re interested in, you can then contact the estate agent to arrange viewings.

Its best to view during daylight hours as this will help give you the full perspective on the property and the surrounding area.

If you plan on doing multiple viewings in a day, then allow enough time to make the journey between viewings.

Its unlikely you will find your dream home on your first viewing so be patient in the process and you will find success, it’s important not to rush.

Make Your Offer

Make your offer - James Kristian

Once you have found a property you would like to buy, its time to make your offer. Working with your estate agent to liaise between you and the seller to make the deal.

It’s tempting to want to under offer on the price and make a bit of a saving, but its important to not offend the seller and scupper the deal.

Talk with your estate agent before you make your offer and see if there is any wiggle room on price, then once you have established what a sensible offer is, your estate agent can make the offer to the seller.

Then once you have your offer accepted you are well on the way to owning your first home.

Take Care Of The Paperwork

Take care of the paperwork - James Kristian

Now you are good to go its time to get the ball rolling with the legal side of the buying process, you can instruct your solicitor to take care of the conveyance for the property.

This is another area where patience is required as depending on the speed of both solicitors for seller and buyer, it can sometimes be a drawn out process.

It pays to keep in touch with your estate agent as they can help liaise with both parties to help the process move quickly to completion.

Collect Your Keys

Collect your keys - James Kristian

Once everything has moved along and contracts have been exchanged, its time to pick up the keys. You are at the end of the process and the owner of your first home.

Your estate agent will have the keys waiting for you to collect and you are on your way.

At James Kristian we have helped many first time buyers to find and move in to their first home.

If you are thinking about your first property and a bit unsure of the best way to move forward, then why not call in for a coffee, or give us a call to discuss your situation.

One of our friendly staff will be on hand to give you advice and help you on the way to becoming a first time homeowner.

Thinking of Buying a Home? Then You Must Follow The Golden Rules

Thinking of Buying a Home? Then You Must Follow The Golden Rules

If you’re in the market for buying a new home, maybe you are a first time buyer, or you are looking to move on from your current house.

There are many things to consider when you are buying houses for sale in Liverpool; do you have the deposit in place? Do you have the solicitors etc?

If you don’t have everything in place, but just want to test the market, and do some viewings, then you need you to take some points into consideration before you start making appointments.

Time is Money

It’s easy to get excited about the prospect of buying a new home, especially if you have been window shopping estate agents websites for inspiration.

And its very tempting to call up and book viewings for properties, its great fun to have a mooch around someone’s home and pretend its yours.

Window shopping online and a test visit may be fine, but if you’re not really ready to buy, and you are taking viewings regularly, then you can quickly sour your relationship with estate agents.

If you book a viewing but have no intention of buying, this means a representative from the estate agent will have to book time to leave the office to show you around the house.

And secondly the homeowner would have spent time and effort preparing the house to have it in its best appearance for you.

As Estate Agents James Kristian takes pride in the relationships we build with our buyers to find them their next home, and likewise we take great pride in the relationships we build with our sellers.

So if you are in the mode of ‘just looking’ then that’s no problem, we are more than happy to assist you with advice, and to stay in touch for when you are ready to buy.

But we do please ask to take into consideration that booking viewings when not ready to buy takes the time of the business, and alerts seller’s emotional expectations.

So please inform your estate agent exactly where you are in the process and they will be more than happy to help you.

Put yourself in the best position to proceed

As obvious as it may sound you cannot buy a home till you have been approved for a mortgage.

You may have a deposit saved and in the bank ready to go, but do you have the mortgage offer in place?

Before you even start looking at properties you should seek advice from an independent mortgage broker.  They will be able to look at your details and run the best deals for you from a range of mortgage providers.

If everything checks out they will be able to get you a mortgage offer in principle.

Then you will know how much you can lend, and start your search for a house.

Part of being accepted for a mortgage is credit checks, so its vital you speak to a broker to get you a mortgage, if your credit history isn’t great, then this will be highlighted as part of the checks.

This can be a real blow if you are expecting to move forward seamlessly, so take the time to put your ducks in a row, and if you haven’t yet spoken with a broker and are wondering about your credit status, you can use this free credit checker to make your own investigations.

Then once you have your mortgage in place you are ready to start viewings.

Appointments are made to be met

When you book an appointment to view a property you put the owner on alert to make the house look great prior to your arrival.

They may have spent a considerable amount of time getting the place ready the day before, and went to some expense buying cleaning materials.

What also happens is in the back of their mind they are thinking is your visit may lead to a sale for them, so they start getting their hopes up in anticipation.

So once you have made a booking to view a property, make it a priority to attend, and at the arranged time.

If for some reason you are going to be late, then call ahead and let the estate agent know, and they will inform the seller.

If for some reason you can’t make the viewing, again inform your estate agent at the earliest convenience so they can rearrange for you.

You can imagine yourself if you were the seller and the viewer didn’t show without any warning, I’m sure you would be disappointed after making the effort to get the place ready for you.

So all we ask is for as estate agents is a little consideration if you can’t make a viewing, and we can rearrange another time that suits you best.

Not every home is suitable for you

One of the things estate agents rely on is feedback from viewings, and quite often if a viewing doesn’t go as planned for the viewer; they can be a bit coy on the reasons that put them off making an offer.

Some people just feel uneasy about giving negative feedback, but its ok because it helps the estate agent to speak to the seller and relay the issues that prevented an offer.

The estate agent can then feed back to the seller and hopefully improve issues that may be preventing the sale.

So feedback is great, even if its negative as this help us make improvements for the next viewing and help the seller to gain the sale.

Is your offer credible

Everyone likes a bargain, and if you want to be taken seriously as a buyer then your offer must be based on facts.

It never ceases to amaze agents how low people can go from the asking price and expect a sale.

There may well be room for some negotiation on price depending on the sellers position, however you can quickly sour that position and offend the seller if your offer is ridiculously low.

So be realistic when you bid, take some time to look at the prices of houses in the same street, or nearby.

This will give you an idea of what you can offer realistically, especially if you have viewed a house and really liked it, if you offend the seller with your offer it may be something you regret in the long term.

If you are in the market for buying a house, or even if you are just thinking about it, then feel free to give James Kristian a call and we will be more than happy to help you out.

One of our friendly team is on hand to give you the best advice and help you find a house, or advise you on the best way to move forward in the house buying process.

Selling Your Home is An Emotional Roller Coaster: And How To Cope

They say that buying a home is one of the biggest decisions you will make in your lifetime, all the time spent saving up the deposit, scrimping away and saving every last penny to be able to afford it.

Then when you move in and make the place your own, you redesign the house, redecorate every room, put in a new kitchen and make the place yours.

The next thing you know the years have gone by, you have raised your children and the house has your stamp all over it.

The house you bought is now your home, complete with years of memories and emotions tied into it.

And for whatever the reason may be, downsizing, upsizing or relocating. If you come to the decision to sell your home in Liverpool, then all the emotions you never realised where there will kick in, and you may find it hard to keep your feelings in check.

Selling the house you have made a home can be a tremendously emotional experience, and you may find it harder than you thought to let go.

If you are thinking of selling your home then there are steps you can take to help you overcome the emotional rollercoaster you may be facing.

Be Prepared

Humans are emotional creatures, it’s in the make up of our DNA, and quite often we make judgements we go on to regret.

So when you have the idea to sell your home, the first thing to do is to take some time to think about it.

Do you really want or need to sell your home?

It may sound obvious, but it’s well worth considering, what may seem like a good idea at the time may not actually work out to be the best decision for the long term.

A good idea is to write down the pros and cons for selling or staying, if its more room you need, can you convert the loft?

You may think the house is too big now the kids have moved on, but can you be guaranteed if you move the new neighbours will be nice enough to live next door to?

Whatever the reason that’s brought you to the decision to move, make sure you take serious consideration before putting your home up for sale, as the grass may not always be greener.

Only Sell If You Are Ready

Once you have weighed up the pros and cons and you feel you really want to move, that’s when its time to put the house on the market, and not before.

One of the common things people do is still be in two minds, and put the house up with an estate agent to ‘test the water’.

This is not a good idea, if you are unsure in anyway about selling, then don’t put your home on the market, this can cause so much emotional conflict.

The minute you see strangers walking around your house viewing will cause you distress. Have I made am mistake? Do I really want to sell? Etc etc.

And if an offer comes in you may find every reason to not accept, and this is not good for you or the people viewing.

This is when the emotions really kick in.

So only put the house up for sale when you are sure you are ready, and not a moment sooner.

Price the House To Sell

Another thing that people do who are unsure if they really want to is to price the value of the house too high.

Subliminally you are saying I don’t really want to move, so I am either going to price myself out of the market, or I will accept an offer if I get a really high price.

Both of these tactics are not going to bode well for you, if you are pricing yourself out the market then do you really want to move in the first place?

And how much stress will it cause if the house sits in the market for a long time without selling?

And if you are willing to accept a high price, but don’t really want to, the motivations say you really don’t want to move, and should reconsider.

There is no use having money in your pocket and be missing the home you loved.

So if you are ready to sell, price your house accordingly and it will sell quicker for you to move on to pastures new.

Stage the House to Sell

It’s your home, the one you have built over years of hard work, but if you want to help sell it, then you have to de-personalise.

This is something people find really hard to do, take down the school photographs, remove the coats and shoes from the hall.

Take down the kid’s drawings off the fridge and basically remove all the memories you hold dear.

It may sound simple, but it’s harder than you think, and can stir strong emotions as you strip away the memories.

To sell the home you have to present a blank canvass to potential buyers, so they can imagine the house being their place to make new memories.

Let The Estate Agent Do The Viewings

If you have a strong emotional attachment to your home, when it comes to viewings, let the local estate agent take care of business.

Or you may find yourself talking potential buyers out of making an offer, even if its not intentional, you can emote strong feelings that may put a buyer off.

And you may take offence to comments viewers make about your home, as they are making a critical judgement based on their needs, not your memories unfortunately.

So leave it to your estate agent to do the viewings, they are trained to do so, and will make the sale happen quicker, relieving you from the discomfort of showing people around.

So maybe selling your home is a bigger decision than buying one, considering the emotional equity you have built, never mind the financial equity.

If you need any advice or help on how to best approach selling your home, then the staff at James Kristian have years of experience in handling property sales.

Especially when there is an emotional aspect of the sale that needs handling with care.

So please don’t hesitate to contact us today and we can help you on your way with an understanding team to guide you through the whole process.

Springtime Is The Best Time To Rent Out Your Property

Spring is here at last, and finally the days are getting longer and the weather is getting warmer.

And when you have been bunkered in for the winter, spring offers the ideal chance to get outside and see how your property has faired through the winter.

Spring is traditionally the busiest time for property rentals, so if you already have houses to rent in Bootle, then it’s a good time to go and do some essential checks to make sure everything is ok for your tenants.

The obvious things to check are the guttering, door seals and anywhere that may have been affected by high winds and rain such as roof flashings and chimney breasts.

If you do find any water damage, then make sure you get it repaired immediately, water can cause a lot of expensive damage if not fixed quickly, so make sure you fix a small leak before you have to deal with something bigger.

Spring is also a great time to put your property out to rent, and if you are looking to rent out this spring then there are a few things you can do to give it the best appeal to renters.

Declutter 

5 Tips to De-Clutter Your Home for A Quick Sale

Nobody wants to rent a messy home, and first impressions count. So before anyone comes to view your make sure you have removed all of the clutter from all the rooms.

Don’t leave shoes lying round, pick up any coats and clothes up and put them in wardrobes out of sight.

Remember that people coming to view the property are going to imagine themselves living in it, so create space by clearing clutter and removing any personal items such as posters, bikes and excessive furniture, this will go a long way in staging your property to rent out quickly.

Give the place a lick of paint

Newly painted room

Now the light is coming back its an ideal time to give your place a spruce up to rent out, when you have viewings it makes a massive difference if your property is bright and airy.

If you have taken the time to declutter then the next step of the process is to bring light into the place. And fresh, bright colours really open a room up and allow the light to give the illusion of greater space than the room may actually have.

Remember you are not decorating for yourself, you are doing it to appeal to potential renters, and so bright neutral colours are the best way forward to make your property appeal to viewers.

Give it a good spring clean

The next item on the list is to give the place a good clean, the two most common areas that both appeal to a viewer, and put off a viewer are the kitchen and bathrooms.

No one wants to walk into a kitchen and see a greasy cooker, or a dirty extractor fan. If there is a fridge in the kitchen, make sure any out of date food is removed and give it a good clean, to get rid of any lingering smells.

In the bathroom make sure the seals round the bath and shower is clean of any mould, same goes for the tiles, for a small expense it is probably worth renewing any silicone seals and touching up the grout to the tiles.

This will make a big difference in how your home is viewed by potential renters.

Give the place a good hoover through, and try to get any rogue stains from the carpets if needed.

If that all seems to daunting, then it may be worth hiring a professional cleaner who specialise in pre tenant cleans, to get the placed spruced up and ready to rent.

Tidy up the outside

If someone is thinking of renting out your property, the first thing they will do is take a drive or a walk past to see what its like, and this is where kerb appeal comes in.

If your place looks unkempt from the outside, they may not even follow through with the appointment to look at all the work you have done to make the inside look great.

Is the garden tidy? Sweep up any leaves from the garden and front step, could the front door do with a lick of paint?

Have the bins been emptied, and now spring is here maybe think about adding a couple of colourful plants via a hanging basket to the front door.

This attention to detail could be the difference between renting out your property quickly, or it sitting on the market for months.

If you need any advice on how to dress your property to make it appealing to viewers, then please don’t hesitate to contact any of our friendly staff at James Kristian, we are on hand to help you get your property rented out quickly.

D

Property Refurbishment And Becoming A Landlord

If you are thinking of becoming a landlord, or maybe you have a portfolio already and you are looking at adding more properties, then one of the best strategies for entering the market is to find a house in a state of disrepair and fix it up.

This involves buying a run down house, carrying out the repairs quickly, increasing the value of the property and then renting it out.

It’s becoming more popular to totally refurbish a property, extend the loft, build an extension and add extra bedrooms to increase rental income.

Planning is key

Before you undertake any refurbishment work, you have to make sure you plan ahead, you need a project plan in place to make sure you are working to a timeline and a budget.

Your project plan needs to include all of the tasks you have organised for each room, what order you are going to carry them out, and how much you plan on spending for each room

Budgeting is extremely important, especially on room-to-room basis, you would be amazed at the amount of people who don’t do this correctly, and end up over extending themselves financially.

If you budget by room, then once you have completed one, then you know how much you have spent and you can control your budget more rigidly.

The typical scenario for bad planning involves starting with a budget in mind, then going to B&Q and getting excited when you see the additional fittings you can have, so you choose the most expensive taps, and worktops etc.

The next thing you know you are 5 grand over budget, and you have eaten into your potential profit from the refurb.

Worst case scenario, you run out of money and can’t complete the project, leaving the property standing empty with no rental income.

This is why good planning is key, and sticking to your budget even more so.

Its very important to organise tasks in order, and prioritise key elements such as structural defects to make sure you get the big jobs out the way first, as they tend to be the most time consuming and costly.

Now for the décor

Once all the big messy jobs are out of the way its time to add a bit of sparkle to the property.

Making the house look nice on the inside will not only add value to the property, but it increases the chances of renting out the property quicker for a higher rental value.

Fittings and furniture should be seen as an investment, as these are the eye catching elements of your property that make the house more appealing to tenants.

The thing to keep in mind here is that you are not decorating the house for you, so you have to be more neutral in your choice of colours and fittings.

What appeals to you may not necessarily appeal to your prospective tenants, so if you have a particular favourite colour, you best think twice about doing the whole house just to satisfy your own tastes.

Fixtures and fittings is the most common area for people to go over budget. This is when people get over excited as the walk around B&Q, and pay over budget for swan neck taps, and expensive light fittings.

You have to keep in mind that you will have to replace these if a tenant damages them, so find the middle ground where you can get nice looking fittings that don’t break the bank, and stay within your budget.

Finding the right tradesman

To carry out a refurbishment to a high standard means you will have to find good tradesman, electrics and gas in particular require certified professionals to sign off any work, and you will need a gas safety certificate before you can rent out a property.

Finding good reliable tradesman can be a skill in itself, so make sure you take advice from friends and family, ask around to see if you know anyone who has had work carried out recently, who where their contractor? How much did they cost?

Asking these questions and doing your homework before you undertake any work can save you a lot of time and money in the long run.

Ideally it would be best to use a good refurbishment company from Liverpool to carry out the work, a good team can take care of everything for you and complete the work quickly, and to a high standard.

So your newly refurbished property can be let out to the right tenant.

If you are thinking about doing a renovation, or becoming a landlord and need advice, then the staff at James Kristian are on hand to discuss the process with you, and we can even recommend some good reliable tradesman to help you on your way.

Important Landlord Information for Selective Licensing

Dear Landlord

As you may be aware on the 21st September 2017, Sefton Council approved the designation of a selective licensing scheme for all privately rented properties within parts of Sefton (please see the attached for the list of areas included).

This came into effect on the 1st March 2018 and will last for a period of 5 years up until 28th February 2023. If your property falls within the Selective Licensing area you will need to apply for a Housing License before the 1st September 2018.

Selective Licensing requires landlords who privately rent out properties in the designated area to obtain a license from the Council. Landlords will be required to meet a range of licence conditions and show that they have appropriate management arrangements in place.

You can contact us for a list of the roads which are included in the licensing.

What is the licensing process?

This is the process that your application will then follow as it moves towards the grant of a Housing licence.  Please note that your application will only become valid when steps 1 to 5 have been completed.

  1. You compete and submit your online application form with the first payment, a copy of your application will be held within your account area and you will receive an email acknowledging your submission and receipt of payment.
  2. The Council then process your form, you may be asked for further information if not included with your application.
  3. A Notice of Intention to Grant a Licence will be issued to you and to any other interested parties. The notice will invite you to make any representations you wish to make on the conditions included in the draft licence. If you decide to make representations you must do this within 14 days from the date on the notice.
  4. The balance of licence fee will be requested within 14 days if full payment is not received your property will remain unlicensed.
  5. Final licence will be issued after representations (if any), have been considered and resolved.
  6. We will contact you to arrange an appointment with you to inspect the property. The inspection may be arranged sooner in respect of ‘higher risk’ premises such as HMO than in the case of some single-family properties, however we fully intend to inspect all licensed premises within the course of the licence.
  7. Where an inspection of the property has taken place, you will be informed of the outcome.
  8. If an inspection identifies licensing issues or housing related hazards that need to be addressed, the licence may be varied by including additional conditions and/or may require other action to remove any serious hazards under the ‘Housing Health & Safety Rating System’ (HHSRS).

The cost of the License Application is £695.00.

We have now been Accredited by Sefton Council, which entitles ourselves to a discounted rate of £495.00.We are proud to be one of only four agents in the borough to pass this accreditation and it has been a lengthy process, so we apologise for not writing sooner.

We have a good relationship with the Selective Licensing Team so if you would like us to submit the application on your behalf then this would involve us putting the License in our name, which then prompt any correspondence being sent to ourselves, which allows us to act quickly on any requests or conditions from Sefton Council, and completing the above steps 1-8 on your behalf. The cost for us to submit the license to all landlords is £100.00 per property.

 

For further information regarding licensing your property, please don’t hesitate to contact James Kristian today.

Tel: 0151 928 8822

How To Sell A Probate Property

Probate Property

Losing a loved one is never easy, and when it comes tied in to a being left a property in someone’s will, then it can make the situation more complicated.

If the property is not going to remain in the family, then on the whole most people want to sell the property quickly; this can be for a number of reasons, but mainly for emotional or financial reasons.

Selling a house in probate is different to selling via a regular sale, so there are guidelines that need to be adhered to make sure the sale goes through.

So Just What Is Probate

Probate is the where the courts have been given permission to deal with the estate of the deceased person.

This can also include all of their assets, and usually includes paying off any debts before the proceeds of any sale can be distributed to beneficiaries.

Do Probate Properties Sell Quickly

The condition of the property at the point of sale is obviously going to be a factor when it comes to selling. Around 1 in 10 properties for sale in the UK market are probate properties, which can be attractive to buyers, as they tend to sell for lower prices for a quick sale.

Areas To Be Cautious Of

When selling a probate property, there are areas you need to check before a sale goes through, namely third party interests in the property, such as amount outstanding on the mortgage, or equity release charges.

Is there anyone else named on the title of the property, this can cause issues if you are the intended benefactor of the property, but if someone else is named in the deeds, then they may be entitled to the property, no matter what the will says.

It’s important to have all of these legal points covered before any intended sale goes through. Make sure you check the deeds to the property and any charges against the mortgage, as this will save you a lot of heartache in the long term, if not approached correctly.

When it comes to clearing the property, be careful what you throw out unwillingly. Before anything goes to the tip, make sure all-important documents are accounted for.

Its not uncommon for property deeds to be thrown out with the rubbish, so you may have to find copies, also in the case of probate, family members or friends can lay claim to property that may be theirs.

As trivial as it sounds, if your recently deceased relative has borrowed the neighbour’s lawnmower, this can become a protracted area of dispute when it comes to ownership of possessions in the property.

Before any items are given away or more so sold make sure an inventory of the property is carried out and all items listed thoroughly, this can then be used as a reference for family members when the time comes to move on.

What Is The Cost Of Selling A Probate Property

The cost of selling a property via probate should not really differ from a regular sale, however there may some additional expenses to consider.

If the property has been vacant for more than 30 days then you will need ‘vacant property insurance’ to cover any potential damages while the property is empty.

There may be an expense for clearing the property, and it is to be empty during the winter months, there may be some maintenance costs to make sure the property doesn’t incur any damp or burst pipes.

What Documents Do I Need For Probate

For a sale to be completed documents that would be required are.

  • Copy of the probate or letters of administration
  • Original Will
  • Death Certificate
  • NI number
  • Property deeds
  • Mortgage information
  • Bank Statements

You are under no obligation to use the same solicitor for probate, for the sale of your property.

Find the Right Estate Agent

Once all of the legalities are in place then its time to put the house on the market. For the purposes of Probate the property’s value is based upon the open market value of the property, in a sale by a willing seller to a willing buyer.

This will be guided by previous valuations on the property to evaluate an average price for sale.

At James Kristian we have the experience to help sell your probate property quickly, we understand the sensitivities that come along with probate sales.

Our team is on hand to advise you all the way to point of sale, we can help appoint you the best solicitor for the sale, and make sure the property is in the best condition to appeal to the market.

Our estate agents in Waterloo are happy to advise you on all points needed to ensure the sale completes quickly with minimum stress or fuss to you and your family.

We have dealt with many probate sales over the years, and have the experience to help you today.

If you would like some advice on the best way to move forward then please don’t hesitate to contact us in our Waterloo offices.

Feel free to drop in at anytime or give us a call on 0151 928 8822.

And one of our friendly staff will be on hand to help you through what can be a difficult time, to make sure you achieve the sale you require quickly.

10 Years of James Kristian

As the New Year arrives, 2018 takes on a bit of extra significance for James Kristian, as it means this year we celebrate our 10 year anniversary in property sales & lettings.

James Kristian started back in 2008, and in the 10 years that’s passed we are proud to say we have worked hard to help all of our clients, find a great place to rent, buy a house, or sell a property quickly.

Our values haven’t changed in a decade, from day one we set out to be friendly and professional, with our client’s best interests at the forefront of everything we do as a business.

In that time our knowledge of the local markets and the experience we have gained,helps us to understand your unique needs, and tailor an individual approach so you achieve your aim quickly.

Whether that’s buying, selling or letting, all for the best price quickly.

We have recently moved to our new home on Cremona Corner on South Road, Waterloo, which is a great location.

In line with the growth of the business, our new office gives us further potential to offer great properties for our clients.

Initially lettings was the main core of the business, and from our start in the Knowsley road office in Bootle, we have built steadily on the foundations of customer care.

We have always worked around our clients needs, if its late night or weekend viewings, then we are more than happy to accommodate this, to make sure you find the best place to live.

Over the years the James Kristian team has grown with the business, and this has allowed us to expand the services we can offer you within property.

The other side of lettings aside from finding you a home to suit your needs, is helping landlords to let out their properties to the right tenant.

So we now have great systems in place to offer full property management services for landlords.

As a landlord you want to know your house is in safe hands, with the experience James Kristian has built in letting out properties for the last 10 years, you can be assured we take the greatest care to only let your property after being thoroughly checked and referenced.

We want to make sure you get your properties rented out quickly to maximise your rental income.

We can also offer a property refresh service for in between tenancies, to make sure any property is brought back onto the market quickly, and to a high standard of décor.

We understand your property is an asset, and take great care to look after it.

Adhering to the highest standards has been the cornerstone of offering our services to you, and helping us to grow over the last decade.

The other aspect of our business is property sales, we want to make sure you sell your house quickly, whilst achieving you the best price.

The decision to sell a house is not one that’s taken lightly, and the team here at James Kristian understand that.

That’s why our property sales side of the business has grown, because clients have come to trust the way we work for you.

Our team are on hand to take the stress away for you and find a buyer for your home.

We strive to stay ahead of the curve when it comes to marketing your property, using professional photos of your house, as well as marketing online across Right Move and Zoopla.

We also use social media to promote and sell for you quickly.

Equally if you are looking to buy a home, we have an excellent range for you to browse online, our local market knowledge is second to none, and we can find you the right house for your budget.

In no time at all.

At James Kristian we have always taken a family run approach to growing the business, and communication has always been at the heart of that.

We believe in building relationships, and this is reflected in some of the long standing partnerships we’ve built over the years.

From landlords, tenants, sellers, buyers & contractors, the longevity of the business, is totally dependent on the relationships we have built with our core clients.

So now its time to look forward to the next 10 years and beyond, you can be assured we’ll continue to treat every day like it was the first, and continue to improve what we do as a business.

And keep providing you the customer with the best customer service available.

So come and call in for a chat and a coffee at any time, we are just on the corner of South Road and Crosby Road.

We look forward to seeing you.

 

 

Local Estate Agents v Online – Price is Not The Only Factor

When it comes to selling your home, there are costs involved in the sales process that are unavoidable.

Aside from solicitor’s fees, there are the fees you pay to your estate agent to sell your house.

In recent years there has been an increase in online estate agents who’s main selling point is reduced fees, in comparison to high street estate agents.

But like most things in life, just because you pay a cheaper price, does it mean you get the same level of service.

There is no comparison for local knowledge, and this is where local estate agents such as James Kristian have the advantage over online sales portals.

A recent study carried out by getagent.co.uk, a comparison website for estate agents, analysed homes listed by the top four online agencies over a period of 12 months.

On average homeowners who listed properties online completed on only 53% of their listings.

By comparison the Home Owners Alliance consumer group states that, traditional high street estate agents complete on more that 84% of their listings.

This indicates two things, firstly that sellers may think they are going to get a sale for a lower fee by going online, but when the sale fails to materialise they switch to a local high street agent to complete the sale.

Secondly, they end up paying two sets of fees to secure the sale, as online agents charge their fee up front, which are more often than not non refundable.

Additionally, online estate agents basic costs rarely include services that are included as standard from high street estate agents.

Indeed this has led the Governments National Trading Standards team, who are the body in charge of policing the estate agency industry to issue the below warning.

‘We’ve seen many examples of online agents making unsubstantiated claims about fees when compared to traditional or high street agents.

‘It’s wrong to make general claims about savings when the headline price does not include facilities such as a sales board, floor plans, photographs, accompanied viewings or other facilities normally included with traditional firms,’ says National Trading Standards spokesman James Munro.

So while it may seem cheaper to use an online agent initially, it can actually cost you double the fees, once you switch to a local estate agent to complete the sale.

The high street agent gives you the personal touch.

Another common factor of using online agents is you end up speaking to a different person each time you call for an update on your property.

Essentially you are calling a national call centre.

The Home Owners Alliance notes that it’s not uncommon for vendors to have to wait on hold for lengthy periods of time, before being able to speak to someone about their query.

With a traditional agent there are no hidden costs, however with an online agent you may have to pay additional fees for items such as floor plans and professional photographs, and after sales support.

Hidden costs mount up and will end up costing you more that you bargained for.

When it comes to viewings if you list for sale online, then you will be responsible for scheduling and carrying out viewings with potential vendors.

So you will need to be comfortable with this process as well as having to act as your own salesperson.

This could include having to create your own sales adverts, as well as managing and responding to buyer enquiries, arranging and conducting viewings, and carrying out negotiations to secure the offer you want for your property.

These tasks are all done as standard by a traditional estate agent, who are trained and experienced in carrying out viewings, with sales experience to secure you the best price.

Additionally after sales support is crucial to completing on a property, online estate agents can’t call a buyers solicitor to push along a sale.

This can only be carried out by a property professional, which can slow the sales process down considerably.

So selling online loses the benefit of the middleman service you get with a local high street agent, this can add stress and time to the process.

Another crucial factor that sets out the high street agent from the online one is local knowledge.

There is no substitute for knowing the local area when it comes to answering queries, which a good local estate agent should pride itself on.

Additionally when it come to setting a valuation for a property, high street agents are aware of local market trends and pricing levels for the area, which is something that online agents may not be able to match.

Plus you only pay when your property sells, paying a cheaper fee up front to an online agent may be tempting, but this more often than not turns out to be a false economy.

It only turns out to be cheaper if the property actually sells; otherwise you have paid a substantial fee up front for a very expensive listing.

Experienced local estate agents such as James Kristian achieve the best possible price for our customers without up front costs, or risk.

Providing high quality personalised service for you on both value and saleability, to achieve you the best price from the sale, with minimum fuss to you.

So if you’re looking to sell a property, and you want the sale to be carried out by an experienced sales team, who understand the importance of good communication, then don’t hesitate to contact us.

James Kristian has over 20 years experience in selling properties for the best price.

Understanding your unique needs to sell your property quickly.

 

 

Looking for a Property Portfolio Building Service in Liverpool?

Why invest in Property?

The property investment business can be a financially rewarding and exciting business. It can produce a consistent income which should be able to support you once you have retired. Historically, property has doubled in value every seven years so no wonder it is seen as the best way to provide for long term financial security.

We are seeing a shortage of housing in the UK!

Some facts we have uncovered :

  • The UK has a serious shortage of housing caused by a number of social & demographic factors.
  • Unlike other European countries, our population is expanding significantly and current figures see our current population at 65,464,119, this is a rise of nearly
  • 7 million in the last 20 years.
  • The number of people living (or utilising) a single bedroom dwelling is increasing.
  • Demand for property is increasing therefore driving up the property prices in the long term.
  • According to the Office of National Statistics there will be an average annual shortage of over 125,000 properties each year for the next decade.

How can James Kristian Sales & Lettings help you to financial security?

  1. We are on panel with the majority of major asset management companies meaning we have access to many properties if you are looking for properties in Liverpool.
  2. We can source high yielding properties in the Liverpool and surrounding areas with strong rental demand.
  3. Looking for a reliable builder, we can assist through our sister company, www.refurbexperts.co.uk, they are landlord refurbishment company – if you looking for a reliable builder in Liverpool!
  4. Our Lettings team are on hand to manage your investment. We can offer a fully managed service in order to maximise your investment. This will ensure minimum voids in order to generate a regular income from your rental properties.
  5. We are members of National Approved Lettings Scheme (NALS), which means we offer client money protection. Your rental income is always protected by our insurers.

Easy steps in order to explore your options:

  • Call our team on 0151 933 2313 and ask to speak with Anna, alternatively email anna@james-kristian.co.uk
  • Discuss your ideas and goals and let us identify some options to start / add to your property portfolio
  • We will arrange viewings for properties we consider suitable for the buy to let market.
  • Should the property require building work, we can have our sister company compile a list of required works along with a quotation & schedule.
  • We can deal with all aspects of your purchase, including solicitors, mortgage advice, surveyors etc
  • Once the purchase is complete we will ensure there are no delays in getting the property tenanted. We understand minimising voids are important to aid cash flow!

We consider building a property portfolio is a healthy alternative to a pension so don’t hesitate to give our team a call. For our Portfolio Building Service, please call us today on 0151 933 2313.