The papers, TV, Internet and Radio have been full of good news about the Help to Buy scheme with even the Prime Minister taking advantage of it as a photo opportunity. Contrary to popular belief the schemes are available not only to first time buyers and are available on properties up to a value of &600,000.

Help to Buy is a series of Government schemes aimed at helping homebuyers without a large deposit to get a mortgage. 
Assistance is provided through either an equity loan or a mortgage guarantee.

Equity Loan

This scheme is aimed at helping first time buyers and homemovers with a deposit as small as 5 per cent to buy a new build property in England.  The Government will provide borrowers with a loan for 20 per cent of the property, meaning only a 75 per cent mortgage is required from a lender.

This scheme is available in England now until March 2016.

Help to Buy - Mortgage Guarantee

This scheme is designed to help homeowners as well as first time buyers to purchase either a new build or an existing property in the UK with as little as 5 per cent deposit.

A mortgage of up to 95 per cent is required from a lender, of which the Government will guarantee the lender up to 15 per cent of the property’s value.

The Government guarantees officially apply from January 2014, but borrowers can already begin applying for and receiving the loans today.

There are new lenders entering the market each day and obtaining whole of the market advice is essential. Contact Andy Neville of our Mortgage Services at andyneville@bflhomes.co.uk and Andy will advise what the best products are looking at all lenders in the market. The wide variation in interest rates and fees means taking independent advice based on what each lender offers and finding the product perfect for you is essential. There’s an added benefit in talking to Andy as the advice is free.

Venmore Auctions went up against some of the top auction houses in the UK for The Residential Auction House of the year 2013 at the annual Negotiatior Awards held in London.

Of the hundreds of auction houses in the UK Venmores were shortlisted due to their outstanding results in 2013, eventually walking away with the Bronze prize.  Venmores are the longest running auction house in Merseyside selling properties under the hammer for over a hundred years, even in the downturn of the Merseyside property market they have still managed to present impressive sales, achieving a sales rate of 96% in their September auction, and maintaining an average sales rate of over 90% in 2013 which is the best in North West and one of the best in the country.

Venmores attended the event held at the London Hilton on Park Lane on Tuesday the 5th November. Rob Farnham Chief Executive for the Venmore Group said of the evening “It was an amazing night held in one of the best hotels in London. We were treated like Royalty, with great entertainment and the food was amazing! Celebrating with the auction team was a great way to show our gratitude at the fantastic job they have done over the last few years, especially in this extremely difficult market!” Of the award Rob continued “Whilst Bronze is not our ultimate goal, when you look at the competition in our category and the size of the eventual winners, we have done extremely well to finish third, the only North West based company to make the podium! All we can do is keep on pushing and next year we will walk away with the gold.”

Venmores hold their final auction of the year on Thursday 28^th November in the Liverpool Town Hall. They have 49 fantastic lots going under the hammer with detail of their properties available on their website www.venmoreauctions.co.uk or you can call their office on 0151 236 6746.

The process of leasing or buying commercial property can demand a vast amount of your time and energy whether it is a private individual or a larger organisation. This is especially true of situations where your property search requires in depth market knowledge or where time is of the essence.

A great deal of commercial property never reaches the open market but our contacts with commercial property owners, investors, property agents and auctioneers, ensures knowledge of numerous privately owned property opportunities.

The process of identifying the right building for your organisation is clearly only part of the property acquisition equation. Negotiating the best terms, incentives and service charges is at the heart of our professional Agency services.

If you are seeking to purchase, or lease, it is critical you receive professional advice on deals available to you in this time of very competitive property markets. The savings can equate to tens of thousands of pound per year.

Our team at Venmore Commercial can provide you with initial practical advice on market conditions, availability, space needs and insight on the extent of your options. Our comprehensive property acquisition services cover a broad spectrum to include offices, retail warehouses, and development land.

We are committed to working closely with our clients and their respective professional advisers in striving to get the deal done on schedule. Our professional advisory role also offers you a valuable source of property know-how and guidance on issues in a wider business space context, both pre- and post-occupation.

Where you have an active business space requirement, please let us know the parameters of what you are looking for and we would be delighted to offer a no obligation consultation.

If you require advice on any aspect of Commercial Property please do not hesitate to contact me on 0151 243 5325 or email me at t.garnett@venmores.co.uk

The Wirral based arm of ‘The Venmore Group’, Bradshaw Farnham & Lea, has six bright and welcoming sales offices located within West Kirby, Prenton, Moreton, Bromborough, Bebington & Heswall, all serving their respective immediate and neighbouring town locations.

Greasby, which is overseen from our West Kirby Wirral flagship branch, is a very popular and pleasant residential area within the Wirral which can often get overlooked for a potential property search.

Situated away from the coast, nestled between the Frankby, Meols boundary and Upton areas, Greasby is the earliest documented area of human settlement in Merseyside with a history dating from as early as 7000 BC.

The area boasts highly regarded schools to include Greasby Infant School, Greasby Junior School, Our Lady of Pity Primary School and Brookdale Primary School with a senior school catchment to include Hilbre High School and both the Girls and Boys Grammar Schools located in West Kirby. The village has three churches, St. Nicholas' Church of England, Greasby Methodist Church and Our Lady of Pity Catholic Church.

Greasby itself offers superb community facilities with a Library, Health Centre and various shops, restaurants and public houses situated within highly convenient locations. The area is also superb for offering commuting convenience with ease of access to major motorway networks and reliable bus service routes through to Liverpool and surrounding areas.

Properties within Greasby tend to be of the traditional pre and post war genre with varied, more modern developments all sitting within close proximity to local shops and village amenities. With the National Trust Land of Royden Park and surrounding green belt land close by, Greasby makes for a delightful area in which to both bring up a family and enjoy retired living alike.

It has always been assumed that the local Greasby high street agents are the best Estate Agency choice when bringing a Greasby property to market, however, Bradshaw Farnham & Lea would be delighted to be considered as a favoured option and here's a few reasons why: 
 

• All Greasby properties are marketed from our amazing West Kirby sales office, proudly located on the main Banks Road and Crescent position
• All Greasby properties are given a full promotion within our showroom and our splendid corner vista window - a window from which we truly SELL our stock!
• A team of up to 10 people work on your property each given day – the largest sales team within the local area
• We have successfully SOLD numerous properties within Greasby within very short timeframes after formerly being with local Greasby agents for a lengthy period of marketing
• Due to the areas we cover from West Kirby, the chances of achieving a buyer so much quicker is so much greater, as our footfall of potential buyers is obviously wider than smaller local agents

 
So - If you have a Greasby property to sell please consider BFL - we offer a No Sale - No Fee - No Tie In contract with no hidden charges, no small print ‘tricks & tactics’, no lengthy withdrawal periods and most importantly - HIGHLY COMPETITIVE SELLING FEES. 

 
CALL THE SALES OFFICE TODAY ON 0151 625 8844 OR EMAIL louise@bflhomes.co.uk TO BOOK YOUR FREE, NO OBLIGATION MARKET APPRAISAL AND BECOME PART OF OUR GREASBY SELLING SUCCESS!!

The Venmore Group have partnered with Home Legal Services (HLS) to offer clients the best service possible for their Conveyancing through negotiating a very competitive fee structure combined with a guaranteed service level from a panel of solicitors both local to the branch office and quality scored by our customers and staff.

The benefit of all solicitors being local to one of our offices gives you the added benefit that if you wish to call in to clarify anything face to face you can.

Our advisers are able to offer FREE advice from the whole of the market. Our advisers pride themselves in going the extra mile for a client. We really want our clients to understand what options are available to them as buying a property is probably one of the largest purchases they are likely to make. We will fully discuss not only the help to buy scheme but what alternatives are available that way our clients know that they are getting the best mortgage for their circumstances.

All of our advisers are fully qualified and have been working as mortgage advisers for many years so have a wealth of knowledge and experience to help clients make the best informed choice. We do not use high pressure sales tactics; if clients want to bring in family or friends for moral support we really encourage this. We find many clients recommend their family and friends to us as they are so happy with the service and recommendations we make.

Unlike many of the banks and building societies our advisers see clients outside normal office hours and on Saturdays.
We are also able to help investors start or build a portfolio of properties. We are finding more and more clients are renting out their existing property and buying a new property to live in. So if you have ever considered becoming a landlord then speak to one of our advisers.

We also help many clients with obtaining remortgages to ensure that they are always getting the best possible mortgage.

To book your impartial meeting please call Jane 0151 342 1755 or email jane.bflmortgages@hotmail.co.uk

Your home or property may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority does not regulate some aspects of buy to let mortgages.

Kind donations from our members of staff, clients and associates enabled us to raise &1,000 for Zoe’s Place – this was to assist them in their CuddleCot appeal. These are essential pieces of equipment that the hospice require.  Maria Barrigan our Business Development Director was behind organising the fund raising and the target of &1,000 towards one CuddleCot was reached on Thursday 10 October! The page is still open at http://www.justgiving.com/Maria-Barrigan1 if you would like any further information on the appeal or would like to make a donation.

Our new challenge taking us up to Christmas is working together with the Montse Benitez Foundation in supporting the clothing appeal for The Charles Thompson Mission in Birkenhead.  In addition to our members of staff, we’re asking all our vendors / purchasers to get involved and when they’re preparing for they’re big move to donate any unwanted items of clothing or shoes that they feel may be suitable. These will be collected at all the BFL branches through the Wirral and then delivered to The Mission.

We’re already looking at how we’re going to go bigger and better in 2014 and we’re looking forward to it!