Garden Flat – Central Wye

There are not many flats within Wye and this is one of the best. Located right in the centre of the village and being ground floor. It would suite anyone with mobility problems. However with its charming garden and generous rooms it would also make a great holiday let or investment.

Having been in many properties in Wye and the surrounding villages, this has to be one of my favourite flats. The property always feels so welcoming and has such a pretty garden. The fact that the flat has parking and a share of the freehold make this a great purchase.

 

.

Charming garden

9 signs to help you know when you’ve found ‘the one’.

Buying a home is one of the biggest life decisions you will make, so you want to make sure you get it right. Here are 9 signs to help you know when you’ve found ‘the one’.

  1. The house fits all your basic needs
    ‘The one’ will meet each of the basic requirements you have set for your home.
  2. You begin to think about your future in the home
    When you find yourself imagining your life five or ten years down the line when going from room to room, this is a good sign that you have found ‘the one’.
  3. You can afford it
    Any house can be your dream home, but ‘the one’ for you has to be a home you can afford.
  4. You feel like the property is yours before you even buy it
    The moment you walk into the property you will envision the home as your own.
  5. You’re excited to talk about it
    If you get excited talking about the home to your friends or family, this is a good way to know you’ve found ‘the one’.
  6. You feel safe
    Your safety is a key factor when considering where to live, so you’ll only want to live in a home where you feel completely safe.
  7. You’ll want to stop looking at other homes
    All the other homes you’ve been looking at will no longer appeal to you, and everywhere will seem insignificant.
  8. You don’t want to leave
    If you can’t stay away from the house it might be time to make it your own. Driving by unnecessarily, showing up at every open house or lingering after viewings are signs that you’re ready to seal the deal.
  9. Every thought in your mind tells you to buy that house
    Every thought in your head says this is the perfect house for you.

Here are some useful tips to help you buy your first home.

1.) Get Your Finances in Order Ahead of Time

Of course, arranging an appointment with a mortgage advisor is important but so is thinking ahead. By this, we mean investing some time in advance to organise your finances. By planning ahead, this will demonstrate your sensible attitude to money matters as well as make you more eligible for a mortgage.

What Are Your Monthly Expenses?

Think about what you pay out each month. Are you paying too much for your mobile phone contract, for a gym membership or car insurance? Keep an Eye on What You’re Spending

When it comes to the mortgage appointment, you’ll need to present in-depth info on what your expenditure is.

2.) Improve Your Credit Rating

Is there any way you can cut your monthly payments? Which payments are you financially committed to? To enhance your credit rating, consider setting up direct debits on any frequent monthly expenses, like utility bills and credit cards. And ensure you’re on the electoral roll, as this will help lenders when carrying out checks such as this.

3.) Save, Save, Save

When you buy a property, not only do you have to fork out for a deposit and monthly payments. So, now’s the time to save as much as you can to account for these expenses. You could even practice saving for these extra costs in the run up to buying the new house, and have the additional expenses coming out of your bank account every month.

4.) Set Up a Restrictions Savings Account

Although difficult at first, you could set up a savings account that doesn’t give you access to savings – it’s perfect if you want to stop yourself from spending and will also help make you more conscious about what you’re spending your hard-earned cash on.

5.) Check Your Bank Account Often

Make sure you look over your bank account regularly and try and ascertain if there are any unnecessary high costs for items like clothing, food or entertainment and try to make savings where possible.

7.) Book the Mortgage Appointment

Make sure you schedule your mortgage appointment well before you’ve found the perfect property. Gaining final lender approval to a loan can take quite several weeks. You might want to think about heading to a company who can provide professional mortgage advice, and one who has access to a variety of mortgage deals. It may be the case that high-street mortgage lenders can offer you more choice than some lenders who have only their own products.

8.) Bring the Right Documents

Prior to your appointment, make sure you bring all the documentation you need, as you’ll need this to support your mortgage application. You’ll need several papers to hand, including your proof of identity, payslips, employer details, bank statements, to name just a few.

9.) Speak to Loved Ones About Their Mortgage Experiences

Get together with your parents, friends or relatives and talk to them about what they did when it came to getting a mortgage. From this, you should be able to gauge what’s important to you in terms of your own mortgage. Think about how long you want to live in the home, if you’d be looking to find another mortgage on another property in a few years’ time. Think about whether you’d like a mortgage where you:

  • Pay a fixed amount per month
  • Pay a variable amount each month or
  • A Government Scheme

Although taking the first step onto the property ladder may seem scary, with a bit of forward planning, it needn’t be as daunting as you first thought

Finding your dream home

Everyone thinks of Estate Agents when it comes to selling your home but at Foxwood Maclean we are with you for the journey. It’s great to be involved in the sale but most clients need somewhere else to live and for many finding the next home is almost more important than selling their exciting one.

Over the years we have been lucky enough to have help numerous clients in their search for their forever home, some are longer and more complicated than others.

Mr & Mrs B approached us in 2014 about a specific house within the village that they would like to purchase. They asked us to act for them in trying to secure the property for them, which we were delighted to do. Some journeys are longer than others and for Mr & Mrs B this turned into a 4 year journey. We worked with them over this period keeping in touch with them and the owner of the house that they wanted, we finally agreed terms in 2018.

Mr & Mrs K registered with us in July 2017, seeking a detached home within their chosen village. We had nothing for them at that point but assured them we would work with them to find the right property. This journey only took 12 months but in that time we sourced rented accommodation for them and kept them up to date with everything coming to the market. They moved into their new home in August 2018, a great result for them and our client, both of whom were delighted with what the team had achieved for them. Both our client and Mr & Mrs K kindly wrote to us expressing their gratitude, if we can help with your journey then please give us a call.

Now that we have completed the purchase and moved into our new home, I would like to thank you and your team for the excellent service you have given during our search for a property in Wye.  

Purchasing a house is a stressful time and so we were grateful that you kept us informed throughout the process and ensured that the purchase went through smoothly.

Hopefully we have found our forever house, however, should we decide to sell at anytime in the future, we will certainly instruct Foxwood Maclean to act as our estate agent.

Thank you again for all the assist you have provided. Mr & Mrs K

Foxwood Maclean have been excellent estate agents in the sale of our property in Wye. Their knowledge of the local market enabled us to pitch the sale at an appropriate price and their subsequent advice helped us to adjust to secure a good and speedy sale to a good purchaser.

The production of photos, floor plans and conduct of viewing has been exemplary as well as their liaison during the sale process and recommendation of local legal advice. I have no hesitation in recommending them to you as estate agents.  Mrs B

A common question we get asked and no surprise there but what may surprise you is that sometimes we tell our clients that we are not sure. An experienced honest agent should be able to have this conversation with their client.

We are lucky enough to work in some of the most beautiful towns and villages throughout Kent and value charming and often unique homes. Estate agents will often talk about comparable evidence, this is looking at what else has sold and comparing that to the house we are valuing. Often though there is nothing else quite like the house we are inspecting, we are also faced with the problem that the house is so unique that what we think it is worth and what someone might pay for it could be very different values.

We were faced with this dilemma recently, the client owned 3 barns on an acre plot sitting in the North Downs Area of Outstanding Naturel Beauty. The granting of any planning was at question due to the location and the client didn’t want to approach the planers before selling. There was very little to draw on as a comparison, so we had to draw on sound local knowledge and explain to the client that whilst we believed the value would be around £300,000 we couldn’t be sure.

This is where the use of Guide prices in conjunction with extensive marketing and best and final offers comes into play. This allows us to be sure that we have achieved the best price for our client and establish the full market value. In this instance we achieved over £450,000 exceeding our and the clients expectations of what the property might be worth.