RETFORD - THE PLAN FOR ORDSALL SOUTH

I wonder how many know about the plans through The Draft Bassetlaw Plan to develop the area in Retford - Ordsall South?

Please remember that Bassetlaw District Council are currently going through the public consultation process and holding various online presentations and inviting questions.

The plan for Ordsall South is to build approximately 800 dwellings on a 103 hectare land plot.

The plan includes a 23 hectare country park and at least 4 hectares of open space.

A community centre, sports facilities and a ‘local centre’ (not sure what that means).

Building developers will be strongly encouraged/guided to build homes for the older generation. i.e. housing suitable for extra care like bungalows with ramps and specially designed interiors to make life easier.

Affordable housing and houses for first time buyers will be encourage. 

At a BDC consultation today a planning officer made it very clear that large detached 4/5 bedroom houses will NOT be encouraged. Dwellings will also be for those wanting to rent both in the private and social sectors.

The planning officer at today’s meeting claimed they want to develop an environment where people should walk to the local shops instead of taking a car. They will be encouraged to use public transport.

I know the current baby boomer generation have maybe two cars per household. They are car users. I’m sure during the next 10-15 years they will use cars even more. Electric vehicles they might be by then, but still cars.

TRAFFIC MANAGEMENT and HIGHWAYS

I hope that Nottinghamshire County Council are involved early when it comes to conducting a transport and traffic management analysis.

The Ollerton Road would need to be upgraded. The current condition of the B road going south to the A1 is not suitable for heavy traffic. Plus the road gets flooded often.

I would strongly recommend upgrading the Ollerton Road to Jockey Lane section and maybe providing a better connection at the A1 intersection for both north and south bound travellers.

Thanks for reading

The Good Estate Agent - North Nottinghamshire.

I help sellers, buyers, landlords and tenants.
If you think I might be able to help you please drop me a message.

geraldbowers@thegoodea.co.uk
☎01777 237310 ☎ Messages to ☎07981 744003 ☎

Visit my Facebook Page
https://www.facebook.com/thegoodestateagentnorthnottinghamshire

THE BASSETLAW LOCAL PLAN – RETFORD – ORDSALL AREA

HAVE YOUR SAY

THE BASSETLAW LOCAL PLAN – RETFORD – ORDSALL AREA

Residents in the Retford Ordsall area are being urged to have their say and sign up for a digital consultation event on Thursday 17^th December 2020 6-7pm

https://www.bassetlaw.gov.uk/media-centre/news/latest-news/residents-in-retford-urged-to-have-their-say/

Use this link to add yourself to the consultation process. There is a maximum of 25 people per event.
These are all online digital events.

https://www.bassetlaw.gov.uk/planning-and-building/the-draft-bassetlaw-local-plan/draft-bassetlaw-local-plan-november-2020/consultation-events-and-booking/

Thanks for reading

The Good Estate Agent - North Nottinghamshire.

I help sellers, buyers, landlords and tenants.
If you think I might be able to help you please drop me a message.

geraldbowers@thegoodea.co.uk
☎01777 237310 ☎ Messages to ☎07981 744003 ☎

Visit my Facebook Page
https://www.facebook.com/thegoodestateagentnorthnottinghamshire

Property Market Forecast for 2021

Here are a few reasons why it will not be the crash some are predicting

During 2020 the North Nottinghamshire (and UK) property market has resisted and flouted every economist’s prediction. With the economy a shadow of its former self, unemployment set to hit 11.9%, the Government on track to borrow nearly half a trillion pounds to pay for Coronavirus support packages etc.

This has had very little effect on North Nottinghamshire homeowner’s enthusiasm or capability to want to move home. It highlights the influence of both the emotional impact of lockdown and the opportunity to save money on stamp duty.

During 2020 the North Nottinghamshire property market has been like a racehorse. 
The question is will the horse fall at the 2021 fence or will it coast home pass the finishing post and get ready to win another race? What are the odds?

UK house prices are 4.7% higher than they were 12 months ago according to the Land Registry, whilst in North Nottinghamshire they are even higher.

Looking at the data over the country, things overall are looking good for property prices.
Yet it must be remembered the Land Registry data is from completed house sales and is always a couple of months behind, so this data is for house sales up to September that were agreed in the spring. Also, it does not take into account the prices being paid today on North Nottinghamshire homes (as they will only show in statistics the Spring and Summer of 2021 when the sale completes).

North Nottinghamshire house prices may inevitably ease slightly in 2021

Anecdotal evidence over the last few months has suggested buyers are using their Stamp Duty savings on the price they are prepared to pay for the North Nottinghamshire home of their dreams, so when the Stamp Duty holiday finishes in Spring 2021, we will see a reduction in the price North Nottinghamshire properties sell for, as buyers will now have to hold back some of their cash to pay the Stamp Duty Tax. Maybe.

The ‘Chain’ bottleneck problem

I do have apprehensions that many North Nottinghamshire people, buying and selling their North Nottinghamshire homes and in a chain, may not be able to realise the move before the Stamp Duty rules change at the end of March 2021, as there is a massive backlog with mortgage lenders, local authorities’ and the searches, chartered surveyors surveying the property and solicitors with the legal work, all combining to slow down the house selling and buying machine.

If you are in a chain right now, you must constantly be talking to all the parties involved and ensuring everything is focused on getting the sale complete by the end of March. You have a responsibility to get information requested back in hours, not weeks... because if you don’t, you might not get your North Nottinghamshire home move through before the end of the stamp duty holiday, and without that discount, someone in your chain may pull out of the sale altogether and the chain will break.

The number of people moving home in North Nottinghamshire is anticipated to drop after the Stamp Duty holiday ends at the end of March 2021.

And that is probably going to be the biggest impact on the North Nottinghamshire property market in 2021. Yes, there will be a slight readjustment in the prices paid after March 2021 (as mentioned above), yet a reduction in the number of people selling their North Nottinghamshire home does not inevitably lead to a house price crash.

Yes, there will be a number of people who have to sell in 2021 because they have lost their jobs (i.e. ‘forced sales’). In the last two ‘Property Market Crashes’ of 1988 and 2008, there were a large number of forced sales in a short period of time (because business owners had to sell their home as their business had closed because of the Credit Crunch, as well as people who had lost their job), increasing the supply of properties coming to the market in 1988 and 2008.

But this time, we have had the cushion/parachute of Bounce Back Loans, Furlough and Mortgage Holidays over the last 9 months.

Also, another important factor about the last property market crashes were the levels of interest rates and the amount borrowed.

Interest Rates are the key to the future of the North Nottinghamshire property market

In 1988, mortgage interest rates were an eye watering 11.5% and 6% in 2008, meaning mortgages were much more expensive compared to the VERY LOW rate we have today. Also, with 77.2% of mortgagees with fixed rate mortgages, and only 1 in 21 mortgages owing more than 90% of the value of their home (and 1 in 303 mortgagees owing more than 95% of the value of their home), negative equity should not be so much an issue like it was in 1988.

This means most North Nottinghamshire homeowners are in a much better place to weather the storm of 2021, than they were in 1988 and 2008

I also believe there will be ‘interesting investment opportunities’ to be had for North Nottinghamshire buy to let and commercial properties in the latter half of 2021 with the potential changes in Capital Gains Tax regulations, although those won’t go on the open market, so do keep your ear to the ground so you get to hear of the property portfolios coming up for sale (as they tend to sell ‘off market’). Again, if that’s something that interests you - do drop me a line.

So, where is the North Nottinghamshire property market heading in 2021?

Well, the North Nottinghamshire property market has seen a house price growth since 2009 and this has been fuelled on the back of ultra-low interest rates meaning money is still cheap to borrow and so mortgage payments are low.

With the Bank of England pumping £150bn into the economy in November with Quantitative Easing (QE) to add to the £725bn they have already spent on QE since 2009 – interest rates will continue to stay low for some time. Interest rates will probably remain VERY LOW in 2021.

Supply and demand shows that whilst we will probably have a turbulent choppy ride in the 2021 horse race, long term demand for housing outstripping supply since the 1980’s, will continue to keep the horse and rider running well.

The long-term outlook for the property market in North Nottinghamshire looks good.

Thanks for reading

The Good Estate Agent - North Nottinghamshire.

I help sellers, buyers, landlords and tenants.
If you think I might be able to help you please drop me a message.

geraldbowers@thegoodea.co.uk
☎01777 237310 ☎ Messages to ☎07981 744003 ☎

Visit my Facebook Page
https://www.facebook.com/thegoodestateagentnorthnottinghamshire

 

 

 

 

RETFORD Area Property Market - Review of 2020

 

The Covid-19 crisis hit mid-March, and the Retford area property market was put on ice for nearly three months (as was almost everyone else’s lives). Yet at the end of the spring, the property market was one of the first sectors of the economy to be re-opened. Every economist predicted house price drops in the order of 10% in the best-case scenario and 25% in the worst, yet nothing could be further from the truth.

When the lockdown restrictions were lifted from the property market, those three months allowed Retford area homeowners to re-evaluate their relationships with their homes. The true worth of an extra bedroom (for an office) became priceless, as people working from home had to take calls and work from the dining room table.

Retford area properties with gardens and/or close to green spaces all of a sudden became even more desirable. More fuel was put on the fire of the Retford property market with the introduction of the Stamp Duty Holiday, meaning buyers could save thousands of pounds in tax if they moved before the end of March 2021. This stoked the local property market and now …

Property values in the Retford area (DN22) are 7% higher today

compared to a year ago.

Properties in our area had an overall average price of £219,309

over the last year.

The demand for a new home from buyers in those Retford properties on the market coming out of lockdown in early summer with those extra rooms and gardens were snapped up in a few days for ‘full’ price.

Retford buyers had to spend their Stamp Duty savings on paying top price for the home of their dreams. Yet the increased number of properties coming onto the market in the late summer quenched a lot of that demand and the prices being achieved became a little more reasonable and realistic. This increased the number of properties sold (stc), so much so that nationally, almost two thirds more homes have been sold (stc) than would be expected at this time of year!

However, as we all know, just because a property is sold (stc), it doesn’t mean the property is actually sold. The number of people, who have moved home in the last 12 months in Retford area, is as you would expect, much lower.

Over the last 10 years, on average 615 Retford area homes have changed hands per year, compared to only 331 homes in the last 12 months.

So, what is a Retford area property worth today? Drilling down to the four types of homes locally, some interesting numbers appear. Looking at the table, you can see the average price paid in the last 12 months.

 

Average Price Paid in the Last Year

Retford Area Detached House

£308,178

 

Retford Area Semi-Detached House

£154,064

 

Retford Area Town House / Terraced

£136,232

 

Retford Area Apartments/ Flats

£125,000

So, what about 2021?

Well normally when the UK GDP drops like a stone (as it did in the summer of 2020), the property market follows in unison. Yet as the economy went south, the house price growth and activity in the property market went north.

This would appear to be quite a remarkable outcome given that economic framework, but it is gradually becoming clear that, as far as the Retford area property market is concerned, people’s time in lockdown has been spent reflecting on what they really wanted from their home and has meant that the normal rules of the game simply do not apply….… for now.

Thanks for reading

I'm here to help sellers, buyers, landlords, and tenants.

Call me or drop me a message if you think I might be able to help you.

geraldbowers@thegoodea.co.uk

The Good Estate Agent – North Nottinghamshire
Tel: 01777 237310 or 07981 744003

https://www.facebook.com/thegoodestateagentnorthnottinghamshire

The Bassetlaw Plan - Retford - Have Your Say

What do you think about the ‘Draft Bassetlaw Plan’?

The 221 page document is available online.
You can download it and read online or for bedtime reading here:
https://www.bassetlaw.gov.uk/media/6023/draft-bassetlaw-local-plan-2020-full-version.pdf

Bassetlaw needs to build over 10,000 new homes before 2037. The Bassetlaw District council are currently in a consultation process with the public until 20^th January 2021.

I don’t have space to talk about all the proposed projects in the plan but will focus here on the Retford development projects. There are 8 projects in the plan concerning the Retford town area.

Trinity Farm

A large housing development just off North Road is proposed for 224 dwellings up to the year 2037. The proposal includes a mix of affordable and specialist housing. Full details of the planning application are already available. See the link below.

Milnercroft

A smaller project in Hallcroft to build social housing and/or affordable rental properties.

St Michaels View

Remember the old Hospice building on Hallcroft Road? The land and buildings are owned by the County Council and will be demolished next year and the land used to develop at least 20 dwellings.

Former Elizabethan School

This site will be developed to provide housing, improved open space and health facilities. At least 46 dwellings to be developed offering a range of affordable housing.

Retford Town Centre

Various improvements will be supported through a Neighbourhood Business Forum.
The improvements will include the town centre facilities including residential improvements. Please download the plan to find out more.

Station Road

In order to improve the area around the train station the car sales building across the road will be developed to provide 5 new homes.

Fairy Grove Nursery

Situated just off London Road the site will be development to ‘Deliver at least 60 dwellings during the plan period to 2037 comprising a mix of housing sizes and tenures, including for affordable housing and housing for older people.’

Ordsall South

This is the big one. Situated on the south side of Ordsall the project intends to:
Deliver at least 800 dwellings during the plan period to 2037. Incorporate a mix of housing types, sizes and tenures to meet local needs including:  20% affordable housing; 20% specialist housing for older people as sheltered courts built to Building Regulations standard M4(2); 5% wheelchair standard housing built to Building Regulations standard M4(3); Extra care accommodation; and where appropriate serviced plots for self-build and custom homes.

Details about the Ordsall South project can be found here from an anonymous source but probably initiated by the proposed developer.
http://ordsallgardenneighbourhood.info/index.html

Have your say

If you want to comment, support or object to any of the proposals in the draft Bassetlaw Plan, please don’t just comment about it on social media. Because that will not be recognised. If you want to be serious you must make comments via the links provided by Bassetlaw District Council. You can take part in an online consultation process tomorrow. See below.

Tuesday 1^st December 1400-1500

Draft Bassetlaw Local Plan Online Consultation - RETFORD

(Online Event)

https://www.facebook.com/events/895110537763633

If you miss this event and want to provide feedback to Bassetlaw District Council you may use this link:
https://www.bassetlaw.gov.uk/planning-and-building/the-draft-bassetlaw-local-plan/draft-bassetlaw-local-plan-november-2020/have-your-say-on-the-local-plan-november-2020/

TRINITY FARM

Regarding the Trinity Farm development, the first phase of the housing project is now available to see in detail online.

If you want to look at detailed planning application documents use the ink here where full details and the opportunity to comment is available:
http://publicaccess.bassetlaw.gov.uk/online-applications/applicationDetails.do?activeTab=documents&keyVal=QJQSOPCSJN600 

RETFORD LIFE MAGAZINE

If you have not yet looked inside the December 2020 copy of the Retford Life magazine, have a quick read of pages 34-36 where you will find a brief explanation of the Bassetlaw Plan for Retford.

Thanks for reading.

I'm here to help sellers, buyers, landlords, and tenants.

Call me or drop me a message if you think I might be able to help you.

geraldbowers@thegoodea.co.uk

The Good Estate Agent – North Nottinghamshire
Tel: 01777 237310 or 07981 744003

https://www.facebook.com/thegoodestateagentnorthnottinghamshire

RETFORD - Small Business Saturday

 RETFORD 5^th December is SMALL BUSINESS Saturday

It has not been easy for any of our small businesses here in Retford during 2020.
The restrictions of lockdown and Tier 3 are proving to be difficult challenges.
On Saturday 5^th December we can all support our local small businesses by doing business with them. Buying products and services from a local Retford based business is the best way you can help celebrate and support small businesses.

Buy online from them also or ask them to deliver. Small business owners are very adaptable to changing circumstances and they will do everything they can to serve you and provide the best service.

Small business owners are hardworking decent people who care about their community.
Please give them your support.

What is Small Business Saturday?

Small Business Saturday UK is a grassroots, that highlights small business success and encourages consumers to 'shop local' and support small businesses in their communities.

The day itself takes place on the first Saturday in December each year, but the campaign aims to have a lasting impact on small businesses.

On Small Business Saturday, customers across the U.K. go out and support all types of small businesses, online, in offices and in stores. Many small businesses take part in the day by hosting events.

The next Small Business Saturday takes place on December 5^th, 2020.

https://smallbusinesssaturdayuk.com/about-us

I'm here to help sellers, buyers, landlords, and tenants.

Call me or drop me a message if you think I might be able to help you.

geraldbowers@thegoodea.co.uk

The Good Estate Agent – North Nottinghamshire
Tel: 01777 237310 or 07981 744003

https://www.facebook.com/thegoodestateagentnorthnottinghamshire

Retford Property Market - We have a problem

One thing that has come out of this Covid-19 situation has been the inexorable movement of Retford households wanting to upsize to a larger home. Often considered to be first time buyer properties, the smaller 1st step on the property ladder one and two bedroom properties are selling quite well yet demand for those properties on the 2nd and 3rd step rungs on the Retford property ladder (i.e. the three or four bedroom homes) has been even greater.

This demand has been driven by Retford buyers looking for more living space, especially those looking for an area or room to work from home (be that a bedroom, reception room or even an outbuilding converted into a study).

Retford selling prices during the past six months have been as follows:

Type of Property    Average Price     No of Sales

Detached                  £281,876                   28

Semi-Detached        £159,235                    34

Terraced                   £133,367                    12

Flats                         £100,833                      3

The average asking price of a 4 bed Retford home is currently £294,300, whilst for a 5 bed Retford home it stands at £395,830

As you can see, quite a jump for an extra bedroom! The heightened contest for 2nd and 3rd step Retford homes for that extra bedroom pushed demand to a record in October for those looking to take the next step up the ladder. 

Historically, as a family and its household income grow, the need for more space has permanently been the No.1 reason for moving home, yet now there is a new need for additional space to facilitate people working from home. 

This means not only do we have growing families wanting larger Retford homes, there are also the people needing the same larger homes for space for a home office. The Retford property market is doing quite well, but we do have a problem.

These ‘sold’ properties are causing another issue. Just because a property becomes Sold Subject to Contract (SSTC) doesn’t mean the property is actually “sold”. 

Before going into Covid-19, it was taking approximately 19 weeks from agreeing a sale price (and instructing lawyers) to completing the sale. Yet, because we are running at 95% of properties SSTC, many of my estate agent colleagues are having to manage expectations with buyers and sellers, and tell them that the date they are going to move will take a little longer.

The elephant in the room is that the temporary stamp duty holiday ends on the 31st March 2021

It sounds an age away, yet trust me, nothing could be further from the truth. Adding an extra month for the additional homes in the bottleneck means even if the sale of your Retford home was agreed today, that would take us to the 3rd week in March ... that’s cutting it very close for the stamp duty holiday.

It is so fundamental for buyers and sellers of Retford homes to work meticulously with their estate agent, solicitor and mortgage lender. 

For example, there are less staff in the local authorities to do the local searches, bank staff are working from home meaning mortgages are taking much longer to get approved, and conveyancer/solicitors are snowed under with work. 

Therefore, if you get a document that needs filling in, are asked to provide documents, pay disbursements or questions need answering, do it immediately and without delay. A day here and day there will snowball and could mean you miss the stamp duty holiday … and that could cost you thousands and thousands of pounds.

The bottom line is that we haven’t seen this sort of pressure on the UK property market since 1987, when dual-MIRAS (Mortgage Interest Relief at Source) was abolished. 

With many legal and banking staff working remotely or still on furlough, the perfect storm has occurred with unprecedented demand from buyers looking to move post lockdown. 

The best advice I can give is, as soon as you put your property onto the market, find a solicitor that has the capacity to work with you, then instruct that solicitor to start work immediately to prepare the paperwork, so once you have a buyer, things can move more smoothly and quickly. 

The last thing you want is to lose out on saving thousands of pounds by missing the stamp duty holiday by a whisker.

Thanks for reading.

I'm here to help sellers, buyers, landlords, and tenants.

Call me or drop me a message if you think I might be able to help you.

geraldbowers@thegoodea.co.uk

The Good Estate Agent – North Nottinghamshire
Tel: 01777 237310 or 07981 744003

https://www.facebook.com/thegoodestateagentnorthnottinghamshire

 

Retford House Prices 2021: What will happen to the value of your Retford home next year? (10 minute read)

With the end of the Stamp Duty holiday in March, mortgage payment holidays coming to an end, unemployment set to rise after furlough and ongoing on/off coronavirus restrictions ..what will this do to the Retford property market and the value of your Retford home?

Retford House Prices 2021:

What will happen to the value of your Retford home next year?

In the late spring of 2020, many people were forecasting impending doom on the British property market. Drops of 10% were considered optimistic as we all held our breath after lockdown was relaxed. Yet, the property market didn’t listen to the forecasters. UK property values today are 2.5% higher than they were a year ago, and more locally, Retford detached house prices are 13% higher than a year ago.

So, what exactly is going to happen to the Retford property market in 2021?

Well, with the end of furlough and 1.7m people still on the furlough scheme at the start of November, a number of economists are saying that unfortunately many of those furloughed will become unemployed. Unemployment currently stands at 4.5% in Q3 2020 (compared to 3.8% in Q3 2019). The Government’s independent Office for Budget Responsibility believes the unemployment rate will peak at 9.7% in early 2021, and then return to pre-coronavirus levels in 2022. In the past recessions of the early 1980’s, early 1990’s and Credit Crunch of 2009, when unemployment went up, the property market went down.

Yet, in this recession, the link between unemployment and property values may not be so direct.

So why is the link between unemployment and house prices potentially broken? It comes down to interest rates.

The reason Retford detached house prices have gone up by 345% since 1995 isn’t because the labour market has got so much sturdier, nor that the economy has outperformed every G8 country, or that the UK has had less boom and bust economic cycles than the previous decades. Instead, it’s because of the fundamental and underlying decline in the Bank of England (BoE) interest rates.

High BoE interest rates equal high mortgage payments which hold everything back regarding the property market. In the 1980’s, the average BoE interest rate was just over 11%, making mortgage payments very expensive and keeping property prices dampened. In the 1990’s, the average BoE interest rate was a little over 6%, in the 2000’s just over 4%. However, in the 2010’s, it had been a really low 0.5%. Now with interest rates down to 0.1% because of coronavirus and the BoE threatening negative interest rates, there appears little threat of an eruption in mortgage repayment costs.

With mortgage payments at an all-time low of just under 30% of homeowners' disposable income (compared to 48% in 2007), those middle-aged people lucky enough to still be in a job (who are mainly made up of workers who are spending a lot more time working from home), they could be more inclined to dedicate more of their monthly income to mortgage payments than they did pre-coronavirus for a bigger garden or a move out of the big cities?

So, if unemployment isn’t going to make a huge difference to the Retford property market, what is?

Brexit will have hardly any effect on the property market.

The Stamp Duty holiday ends at the end of March 2021 and that certainly will reduce the number of Retford people moving (as many moved their plans forward to beat the deadline) meaning there will be less Retford people moving in 2021, yet that will curtail the supply of property for sale and hence keep Retford property prices higher.

Next, the Help to Buy scheme, (started in 2013 and where the Government underwrites part of the mortgage for the first time buyer, meaning they can obtain a 95% mortgage) ends in April next year, but the government have clearly indicated an intention to create ‘Help to Buy - Part 2’.

The bottom line is in the early 1980’s and 1990’s recessions, when interest rates were over 15%, obviously homeowners couldn’t afford to keep up the mortgage payments when made redundant or on reduced wages, so many handed in their keys to the banks and homes got repossessed, thus exacerbating the issue with falling property values.

However, with interest rates so low, this will not be the case. I envisage that UK property prices will be between 4% to 5% higher by December and Retford values just behind that at 2% to 3% higher, before levelling out in 2021 (although we might see a modest dip in certain sectors and types of Retford homes depending on location and condition).

I also suspect those Retford first time buyers, eager (and able) to break free from  the rental market will want to take up the anticipated ‘Help to Buy - Part 2’ scheme, particularly if the BoE base rate stays low. The other winners in 2021 will be low mortgage/equity rich households upsizing to the countryside or leafy suburbs to test out their boss’s promise of ‘flexible-working’.

Yet the losers will be the 18 to 29 year old renters … most likely to be made redundant and least likely to buy a home.

My advice to the Government for this cohort is to not ignore them once the country is out of this coronavirus situation.

As the Generation X and Millennials get older and take over as the largest demographic they need to be kept happy and rewarded with an easier route to home ownership. I would go further and suggest that the Conservatives need to really grasp the nettle on this and make sure homeownership is a priority. The other political parties will ignore it as usual.

I mean, we have £400bn to pay back because of coronavirus … it has to be repaid and it has to come from somewhere. Those denied real access to buying their own home in the last 10 years, because of massive house price gains over the last 25 years, could vent their anger via the ballot box - if not at the 2024 General Election, maybe in 2029, when they realise that housing policies are not working for them.

Maybe we should all look to the grocer’s daughter from Lincolnshire who in 1979 set out a bold vision of home ownership for everybody. I suggest American style long term mortgages might be a starting point.

Let me know your thoughts.

Thanks for reading.

I'm here to help sellers, buyers, landlords, and tenants.

Call me or drop me a message if you think I might be able to help you.

geraldbowers@thegoodea.co.uk

The Good Estate Agent – North Nottinghamshire
Tel: 01777 237310 or 07981 744003

https://www.facebook.com/thegoodestateagentnorthnottinghamshire

 

 

 

TIER 3 - How to Make it a November to Remember in Retford

 

The clocks have gone back, and November starts on Sunday.

We are all in it together with Tier 3 restrictions, but there are some things we can all do to make it memorable.

Fireworks Evening

It’s undoubtedly going to be a different kind of Bonfire Night on 5^th November. Authorities all across the UK are expecting a lot smaller, back garden, family events due to the Covid-19 restrictions. Why not stay at home and make it a very special family occasion.

Movember

The annual festival of the moustache takes place this month. Movember has grown rapidly (pun intended) since it started in Australia in 2004. It has its roots in Melbourne where two friends convinced 30 mates to go with the mo.

It’s a fun way to add some fur to your face and raise funds for men’s health charities.

Get further details on the Movember website here: 

https://uk.movember.com/

Remembrance Sunday – 8^th November

With the Remembrance Parade being cancelled and social distancing measures in place, it will be different this year for everyone.

Everyone across the country is urged to do their bit from home, either by watching events on television or taking part in a two-minute silence from their doorsteps at 11am on Sunday 8th November 2020.

The Royal British Legion Poppy Appeal will be severely affected this year in the present climate.  Because of Covid-19, we all need to do something different to pay our respects and to honour the fallen.

Please make a donation online and/or share this link to anyone you feel maybe interested in making a donation. Every £1 helps.

The British public can raise money when they really want and I’m sure we in Retford will do our bit as usual.

IF YOU RUN A BUSINESS THAT REMAINS OPEN I CAN DELIVER A POPPY COLLECTION BOX TO YOU. Send me an email

Lest We Forget

https://www.britishlegion.org.uk/get-involved/ways-to-give/donate

Christmas Shopping Lists – Shop Local in Retford

Let’s face it 2020 has been a year to forget so any excuse to take our minds off things must be welcomed. And what better way to do that than to start making your Christmas lists?

You could even set yourself a challenge and see what is on your list that you can buy from local shops and businesses in Retford. So all those last minute men out there have no more excuses for doing last minute shopping. Go early for once and get those extra special presents sorted.

Family Movie Nights

Now the dark nights start at 4.30 pm and the weather’s getting colder it’s the perfect excuse to get cosy on the sofa and watch a movie with your family.

Agree on a theme for the night. It could be sci-fi, western, comedy or even romance.

Make sure you have plenty of cinema-style snacks handy like popcorn, tortilla chips, sweets etc.

Create your own tickets – the kids will love making their own cinema tickets that need to be shown to ensure a seat in time for the big movie.

There’s plenty to do across Retford in November if we put our minds to it.

Whatever you do, have fun, and stay safe.

Thanks for reading.

I'm here to help sellers, buyers, landlords, and tenants.

Call me or drop me a message if you think I might be able to help you.

geraldbowers@thegoodea.co.uk

The Good Estate Agent – North Nottinghamshire

Tel: 01777 237310 or 07981 744003

https://www.facebook.com/thegoodestateagentnorthnottinghamshire