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Property for Sale 9 23 Contents 5 WELCOME Our Introduction to House Magazine ISSUE 90 BUYING AND SELLING PROPERTY IN WEST CENTRAL SCOTLAND MORTGAGE PREDICTIONS SOLICITOR ESTATE AGENTS Property For Sale 9 23 Contents 5 WELCOME Our introduction to House magazine. 9 MORTGAGE PREDICTIONS 2018 Making predictions for the year is a difficult task and no one has a crystal ball. However, general indications are that activity in the property market and mortgages are continuing to carry on from 2017. 12 PROPERTY FOR SALE Property available in West Central Scotland. 22 LARGIEMHOR 12 AN INSTAGRAMMER’S DREAM HOME Nestled within beautiful garden grounds, is a stunning detached and extended 4 bedroom, 3 reception room family villa, traditionally built circa 1954 with a roughcast render under a slate roof. 23 SOLICITOR ESTATE AGENTS Solicitor estate agents in Scotland have a higher Publisher Cochran Dickie success rate when it comes to selling properties, Editor Curtis Chisholm compared with other estate agent models. Assistant Editor Iain Storrie Features Curtis Chisholm Front Cover: Largiemhor, Kilgraston Road, Bridge of Weir Art Director Don Jack See pages 12 and 22 Graphic Designer Stuart Robertson Creative Studio ideas.co.uk All enquiries to: [email protected] Curtis Chisholm & Iain Storrie www.cochrandickie.co.uk DIRECTORS House magazine is published by Cochran Dickie. Property for sale in Paisley All rights reserved. Reproduction in whole or in Paisley Office part without prior written permission from the 21 Moss Street, Paisley PA1 1BX publisher is strictly prohibited. Great care has been taken to ensure the accuracy of all content t: 0141 840 6555 f: 0141 848 9168 however the publisher accepts no liability for e: [email protected] loss or damage suffered through any errors or omissions that may occur. Cochran Dickie Property for sale in Bridge of Weir reserve the right to reproduce and use any Bridge of Weir Office material received from advertisers or 3 Neva Place, Bridge of Weir PA11 3PN contributors and will do so unless any t: 01505 613 807 f: 01505 615 682 conditions for it’s use have been clearly advised at the time of submission. Published and printed e: [email protected] in the UK by Cochran Dickie. PP 19 / 04 / 18 WelcomeWELCOME TO THE LATEST EDITION OF ‘HOUSE’, COCHRAN DICKIE’S PROPERTY AND LIFESTYLE MAGAZINE THAT BRINGS TOGETHER HOUSE BUYERS, SELLERS AND THOSE PEOPLE DIRECTLY INVOLVED IN THE PROCESS. Welcome to the latest edition of HOUSE magazine Spring; what spring you may ask? Well one we will continue with so please if you are comparing agents hopefully we are finally over the worst of the against one another you could worse than check out their presence, it is here to say and it works. weather and we can look forward to some heat and light nights. I hope you enjoy this month’s magazine and enjoy your Spring. I have to say it was an inauspicious start to the year, one we Regards haven’t experienced since we opened in 2010. The harsh winter meant that few people wanted to put their house on the market. We held quite a few back because we don’t take photos in the Curtis Chisholm snow as they would date so quickly but those we did put on once DIRECTOR again proved that the market is still experiencing supply & demand issues, with fabulous sales values, over achieving even H our most optimistic hopes. There is no doubt that with Brexit well and truly underway and whether we have a ‘hard or a soft one’ it is still creating an element of uncertainty. I know lots of better informed people than me are saying that it isn’t looking too bad for the property sector. I have to disagree slightly. You only have to look at the properties that aren’t selling above the £600,000 number, yes LBTT is significant now at this level but so is the number of people who are looking in this region in Renfrewshire. Is this because of the changes and tightening of affordability criteria? Is it the number of people from elsewhere in the UK/rest of the world no longer coming to Scotland to live and work? I don’t know the exact number of these of course but we know with the enquiries we get and it is certainly not what it used to be. But for those people looking to trade up or down below these numbers it couldn’t be better, we are double the viewings per house than this time last year, this is significant! For the social media active amongst you we have stepped up our presence and activity in google, facebook and twitter to allow clients who have not only sold but bought from us to share their experiences. It has proven to be a fantastic feedback vehicle and COCHRAN DICKIE ESTATE AGENTS ESTAS SILVER AWARD WINNER Mortgage predictions 2018 Making predictions for the year is a difficult task and no one has a crystal ball. However, general indications are that activity in the property market and mortgages are continuing to carry on from 2017. There is no doubt in 2017 that it was a seller’s market due to a lack of stock available and 2018 has started in a similar fashion. Hope for 2018 Hopefully, people will see properties moving quickly and The main obstacle for many clients with smaller deposits has more confidence will return for people to sell their own been the common theme of properties going well over the properties and even out the market. Other helpful market valuation- sometimes 10 to 15%. Mortgage lending is based conditions which support a positive market are interest rates on the purchase price or Home Report valuation, whichever still being very low, meaning potential payments for is the lower figure, which means that any price paid over the borrowers are more readily affordable. value cannot be used as part of the deposit for mortgage purposes. This therefore makes the deposit amount needed We have had one rate rise recently and it is forecasted there typically higher than the advised 5%. is likely to be at least one other at some stage of 2018. But we are still in spoilt times for borrowers and any increases are Finally, it would be remiss not to mention the fact that Brexit likely to be slow and incremental which should give is looming ever larger on the horizon. Negotiations over the prospective buyers peace of mind. Mortgage lenders also now UK’s departure from the EU will start to dominate headlines have greater confidence and they are clearly showing a bigger as the year progresses, and details of these negotiations will appetite to lend money which is providing fiercer become more crystallised. Depending on how talks progress, competition. This can only be good for borrowers. we could see a negative impact on market sentiment and this could also serve to cool demand as we head into the second There are more mortgage products now available, and half of the year. usually only require a 5% deposit. This means that more people can find a mortgage, while also being Need more mortgage advice? able to keep an affordable budget. This Then please call Neil Stewart should be the motivation particularly 01505 610005. for first time buyers, who are The information contained in this article is provided in good faith. Whilst every care has perhaps renting at present and been taken in the preparation of the in essence paying someone information, no responsibility is accepted for any errors which, despite our precautions, else’s mortgage. it may contain. H House 9 For more than 20 years we have been advising our clients about their finances, in a hugely changing environment. They are still our clients. Now so are their friends and family. We want to enable you to take care of your own future. That means trusting us to navigate the financial world for you. Creating a piece of art is always individual. WWW.STEWARTIFA.CO.UK T. 01505 610005 5 WINDSOR PLACE, BRIDGE OF WEIR, PA11 3AF 1 KIRKINNER PLACE, BRIDGE OF WEIR, PA11 3AA STEWART IFA LTD IS AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY. Take the stress out of letting your property or finding a home. We are here to make it a smooth and positive experience. Let us take care of the finance, insurance, maintenance and with any issues that go along with letting or renting any property. Trust us to let, to let you get on with other things. WWW.LINDLETTING.CO.UK T. 01505 610444 1 KIRKINNER PLACE BRIDGE OF WEIR, PA11 3AA PAISLEY OFFICE: 21 Moss Street, Paisley PA1 1BX t: 0141 840 6555 f: 0141 848 9168 e: [email protected] BRIDGE OF WEIR OFFICE: 3 Neva Place, Bridge of Weir PA11 3PN t: 01505 613 807 f: 01505 615 682 e: [email protected] cochrandickie.co.uk Nether Knockbuckle, Branscroft, 6 Albert Garpel Lodge, 6 Balgonie Drive, Hazelmere Road, Road, Brookfield Lochwinnoch Paisley Kilmacolm OFFERS OVER £499,000 OFFERS OVER £399,000 OFFERS OVER £295,000 OFFERS OVER £795,000 Situated in the centre of Garpel Lodge is a fabulous This marvelous, Situated at the bottom of the hamlet of Brookfield 4 bedroom, 2 reception individual, extended a leafy private lane sits a sits ‘Branscroft’ a room traditional former detached bungalow is magnificent B Listed traditionally built 4 gate house dating back to located in a popular part detached family home bedroom, 3 reception room the late 1800's but of Paisley in a very well built around 1910 by renowned Glasgow Architect James Victorian villa with white rendering under a slate roof which extended in recent times to create a beautiful family home set established address.
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