Top Plots, Luton (2026)

22/10/2021

Just arrived on the market this beautiful 6 bedroom detached house based in Apperley Bridge, Bradford!

19/10/2021

A historic 5 bedroom 1860’s Detached Victorian House has arrived on the market! A truly special family home! Located on London Road, Biggleswade!

19/10/2021

New home! Stunning 3 bedroom apartment available in the heart off Beaufort Park, Colindale!

18/10/2021

Amazing Cotswold Home

18/10/2021

Beautiful bungalow in Cornwall

18/10/2021

The UK’s top 23 towns to live in

For the first time in a long time life is getting back to normal, so are our property buying habits. Since the pandemic the property story has been the migration from towns and cities to countryside. There are some signs though, that a resurgence in town and city living is getting back to normal as people are realising that work, schooling and amenities amongst other commitments are as important.

1. Bicester, Oxfordshire�Demand for property in this fast-growing town on the edge of the Cotswolds has more than doubled between 2019 and 2021.
Average house price £339,285�
2. Deal, Kent�With fast trains to central London and views across the bracing English Channel are just part of the appeal of the east Kent coast.
Average house price £335,789�
3. Southborough, Kent �In the High Weald Area of Outstanding Natural Beauty it is a little-known town that has the appeal to families with children with its Outstanding grammar school and a fast train taking just 30 to 40 minutes to London Bridge. �Average house price £512,491

4. Steyning, West Sussex�The most picturesque town in Sussex, It is a small town with a village feel. It is a ten-minute drive to Brighton City airport and Shoreham-by-Sea, and 30 minutes to Brighton for brighter lights and a nightlife, surrounded with stunning countryside.
Average house price £479,334

5. Woking, Surrey �With this Surrey commuter-belt town, It is one of the top places in the country for outstanding rated by Ofsted schools. The Catholic St John the Baptist School came top of the local Real Schools Guide state secondary school league table.
Average house price £544,313

6. Fakenham, Norfolk
Elegant Georgian townhouses and rustic cottages for probably half the price of those in nearby coastal hotspots. Fairly decent schools and art galleries near by.
Average house price £247,673

7. Saffron Walden, Essex

Definitely tops the bill for family appeal with a long list of green spaces and Ofsted outstanding rated schools. Impressive local town centre with easy access Ito local amenities.
Average house price £432,874

8. Woodbridge, Suffolk�This historical town on the River Deben, lies deep in the picturesque area of the east coast. The town is known for its painted houses that line the winding lanes, and a choose selection of state schools
Average house price £418,215

9. Marlborough, Wiltshire�Marlborough has always been a desirable place to live, with the past year only serving to reinforce its popularity. Independence is pricey in this Wiltshire market town with a vibrant high street with a good mix of chains and locals, It is about an hour’s drive to Bristol, Salisbury and Oxford.
Average house price £437,034

10. Cheltenham, Gloucestershire�The host of the literature festival The major attractions are the amazing Regency houses, an elegant shopping centre and the best schools in the country. Lush Cotswolds countryside on the doorstep and decent road and rail links to London, Bristol and the rest of the country.
Average house price £378, 519

11. Watchet, Somerset
This Somerset harbour town has plenty going for itself and house prices much cheaper then some of its rivals. The forthcoming opening of East Quay, a £7.3 million contemporary art gallery is only one of many community initiatives.
Average house price £226,091

12. Wadebridge, Cornwall�This thriving market town offers best of both worlds coastal and countryside. Decent shopping facilities and if you are a a water sports lover such as sailing, water skiing and kite surfing then this is the location for you.
Average house price £301,743

13 Alcester, Warwickshire�This pretty historical Warwickshire market town hits a sweet spot, only 50-minute drive from the centre of Birmingham. St Nicholas Church of England primary school and Alcester Grammar are deemed outstanding by Ofsted. �Average house price £293,786

14 Dunstable, Bedfordshire�Popular demand amongst first time buyers and investors in this ancient market town on the edge of the Chilterns has doubled in the past year. The high street is going through major refurbishment and the area is designated heritage action zone.
Average house price £293,640

15 Market Harborough, Leicestershire
This well-heeled historical market town popular with family home buyers are drawn by the good schools, such as Robert Smyth and Market Harbrough Church of England academies. Nearby popular private options include Leicester Grammar School and Brooke House College. Only 13 minutes by train to Leicester and an hour into London St Pancras. “the urban guide to the country”, voted it the most popular place to live last year.
Average house price £328,715

16 Bramhall, Greater Manchester�If it’s fun and friendly-family life you’re looking for, the upmarket southeast Manchester suburb of Bramhall offers well-sized Edwardian and contemporary properties, often with generous gardens and only six miles to Manchester airport.�Average house price £483,427

17 Newbiggin-by-the-Sea, Northumberland�Growing creative vibe in this former Victorian resort on the Northumberland coast, is one of the few seaside towns left that is charming and affordable. You could get a four-bedroom Victorian house there for about £200,000, and drive to Newcastle in half an hour.
Average house price £105,610

18 Barnard Castle, Co Durham �This historic town is popular amongst older fans with easy access to local amenities. Families like the strong community feel, with good options for decent schooling.
Average house price £208,513

19 Driffield, East Yorkshire�A small charming market town, it is surrounded by prime Yorkshire Wolds farming county. Becoming popular with young families, downsizers and retirees began to notice its old-fashioned charms.
The Wolds are earmarked to become an area of outstanding natural beauty, so hurry before property prices soar.
Average house price £194,539

20 Boston Spa, West Yorkshire
Prefer the elegant over urban sprawl, near Harrogate is becoming popular amongst professional families who like the decent schools St Edward’s Catholic Primary is Ofsted-rated outstanding and Boston Spa Academy is good
Average house price £423,219

21 Narberth, Pembrokeshire�With easy access to the stunning Pembrokeshire coastline A outstanding high street and unremarkable community spirit are big advantages in a small town.
Average house price £217,697�
22 Bearsden, East Dunbartonshire�This neatly manicured town with grand Victorian villas and semi detached properties. Only 18 miles from Glassgow is popular for home movers from inner cities. The real draw is the good schools: Bearsden Academy was the fifth highest-achieving secondary school in Scotland last year, according to The Times’s Scottish school league table.
Average house price £349,841

23 North Berwick, East Lothian
As well as an active outdoor lifestyle, Only a 30 mins train ride from Edinburgh but unbelievable difference in living standards with remarkable education options for children. �Average house price £438,453

15/10/2021

Not to be missed this Beautiful 4 bedroom family home available in Copmanthorpe, Yorkshire!

09/10/2021

Selling a Second Home: How much tax I have to pay ?

If you thinking of selling a second home or a buy-to-let property, you will most likely need to pay capital gains tax on the profits you make.

When new rules were introduced last April 2020, some rules were changed significantly reducing the time you have to pay your Capital Gains Tax within 30 days after completion. We can help

If you are thinking of selling a property not only we can assist with obtaining you with the highest offer for your property, we can also advice in every aspect in your property journey. Helping You to Save More Money and Gain More from your Investment. Contact our specialist team on 01525 601319.

09/10/2021

If you thinking of selling a second home or a buy-to-let property, you will most likely need to pay capital gains tax on the profits you make.

When new rules were introduced last April 2020, some rules were changed significantly reducing the time you have to pay your Capital Gains Tax within 30 days after completion.

If you own a second home or buy-to-let property make sure that you understand your capital gains tax liabilities.

What is Capital Gains Tax?

Capital gains tax is the tax you must pay on any profit you make when you sell a property that is not your main home. Your gain is the difference between what you paid for the property and the amount you later sold it for.

You will also be liable to capital gains tax if you dispose a property in other ways, such as gifting or transferring it to someone else or exchanging it for another asset. In this instance, you will use the property's market value to determine how much is my house worth.

When do I have to pay Capital Gains Tax on a property?

Generally, if you selling your main home then you will not have to pay CGT tax, unless it has been used as a business premises or if you have let out all or part of your property (this does not include having a lodger whilst you are living at the property too).

However, you will have to pay CGT if you are selling a house or flat that you bought as a second property, such as a holiday home, buy to let property even if it is the only property you own. This must be paid within 30 days after completion to avoid getting a penalty from HMRC

Capital Gains Tax Allowance

Good news you do have an annual capital gains tax allowance in 2020 to 2021 tax year, the allowance is £12,300. Couples who jointly own assets can combine this allowance, potentially allowing a gain of £24,600. This cannot be carried forward, to the following year In other words, if you don't use it, you will lose it.

Capital Gains Tax Rates

To simplify this, the Basic-rate taxpayers currently pay 18% on any gains they make when selling a property. Higher-rate and additional-rate taxpayers currently pay 28%.

You must remember that any capital gains you make in the tax year will be included when working out your personal tax status for that year. This means that your gains from selling a property could push you into a higher tax bracket. The taxable gain is treated as the "top slice" of your income, so some of the gain can be taxed at 18%, with the rest a 28%.

How do I calculate my Capital Gains Tax liability?

You do not pay Capital Gains Tax on the entire sales value of the property, only on the amount that is counted as gains. You are permitted to deduct certain expenses from your gain to reduce your tax liability. These includes estate agent's fees, solicitor's fees and other reasonable costs on home improvements work carried out during the ownership of the property. You cannot deduct the costs of decorating or maintaining the property.

Example

Purchase Price + Buying & Selling Costs + Home Improvement Costs + CGT Allowance — Sale Price
= Total gains amount CGT

To calculate how much Capital Gains Tax you will need to pay, deduct your annual CGT allowance from your gains. You must pay Capital Gains tax on this amount.

Add you capital gain to your taxable income to determine whether you pay the lower or higher rate of CGT.

Capital Gains Tax changes from April 2020

New filing and payment obligations

From 6 April 2020, you need to report the gain to HMRC on a GCT return and pay the tax within 30 days of completion. Failure to pay within 30 days will result in penalties and interest charges.

Given the tight deadline, you'll need to make sure you have gathered together all the relevant information required in advance. This includes:

* The date you acquired the property
* The costs of purchase and disposal. Including purchase price and sale price, stamp duty, estate agent fees from the sale, surveyors fees from the purchase, legal fees from the purchase and sale.
* Costs of eligible home improvements
* Your earning in the tax year

The tax due is an estimated amount at the time of the gain and could change if the person's earnings change the tax bracket they fall into. The amount paid is treated as a payment on account and processed on the individual's self-assessment tax return.

Most people are expected to submit their CGT return online via the HMRC's government gateway. If you don't have an account, you'll need to apply for one. As this can take up to 10 days, make sure you have done this in advance of completing the sale.

Example

For a second home or buy to let property sold on 7 April 2021, the GCT return will need to be submitted and paid by 6 May 2021. The capital gains calculations will be included in the self-assessment tax return due by 31 January 2022. Should any further tax be payable or refund due, it will be calculated at this point. Any additional tax must be paid by 31 January 2022.

Changes to private residence relief

If you have lived in the property as your main residence for the entire period of ownership, private residence relief means that any gain you make is exempt from CGT.

Special rules govern partial private residence relief if you have lived in the property for some of the time. These rules changed in April 2020.

Before April 2020, if the property had been your home at some point in the 18 months prior to the sale this part of the gain would be exempt from tax. For sales on or after 6 April 2020 this relief period is reduced to 9 months.

This change affects people who are purchasing a home before selling their old one. They now have just nine months to sell their old property to avoid a potential CGT charge.

Changes to lettings relief

Under the old rules, if you sold a residential property that was once your main residence but had then been rented out, it was possible to deduct lettings relief of up to £40,000 from any capital gain.

However, from April 2020, lettings relief is now only available for people in shared occupancy with their tenant/tenants, so is no longer available to the vast majority of people.

Capital gains tax for UK non-residents

If you're a non-resident selling a UK residential property, you only pay UK tax on the gain you've made since 5 April 2015.

If you inherit your second property

When you inherit an asset, inheritance tax is usually paid by the estate of the person who has died. You only have to work out if you need to pay capital gains tax if you later decide to sell the property.

We can help

If you are thinking of selling a property not only we can assist with obtaining you with the highest offer for your property, we can also advice in every aspect in your property journey. Helping You to Save More Money and Gain More from your Investment. Contact our specialist team on 01525 601319.

08/10/2021

Just arrived on the market a special family 5 bedroom home in the beautiful surroundings off Theron, Bolton!

07/10/2021

Things happen, once the home that you enjoyed cuddling on the sofa as partners is now being used as a weapon after the breakdown. before you take steps that you could regret, take time to consider your position and what you can do.

Our home do I have Joint Ownership?
When property expert talk about property being 'jointly owned' means two or more people who hold legal title to the property. Often the case this will be the family home.

Generally speaking joint owners, will have there name on the legal title to the house and be registered with the Land Registry. Or it maybe a case someone contributed towards the property and believe they have a share in the property, there could be hundreds of scenarios. Seek property advice, property experts can help.

The Reality of the Situation
If you and your ex are named on the title of the property, both of you have rights over the property. The problems arise when one joint owner tells the other to F off, access is denied and then locks are changed. What do you do?

Your Options
Before taking recourse to formal legal proceedings or involving the police, consider what steps you can take to resolve the situation amicably:

1. A Polite Letter – Try writing a polite letter to request access. While this understandably might not be your first instinct it could possibly assist you,.

2. An Occupation Order – seek legal advise, you may require to apply to the court.

3. Ask the Police to Accompany You – to collect your belongings.

4. Sell the House – Selling the house or buying the other out.

Need more?
If you need to speak to a property expert call 01908 902047

05/10/2021

Rents are going up, are you getting enough for your home. Get a free property valuation

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