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As we welcome January and embark on a brand-new year, we’re here to help you start 2025 with confidence and insight. This month, we look at smart innovations to elevate your property's appeal, Essential property care tips for buyers, sellers, landlords and tenants, and UK housing trends for this year.

Whether you're looking to buy, sell, or expand your property portfolio, our January newsletter is packed with practical advice and market updates to guide your decisions. So, grab a warm drink, settle in, and let’s embrace the opportunities this year has to offer.

Here’s to a bright and successful start to 2025!



Equity release: Is it right for you?

 

Whether you decide to release equity in your home largely depends on your individual circumstances. Whether you are looking to increase the size of your pension pot or simply want to make some home improvements, you have a lot of options. We can’t advise you, but we take a closer look at some of those options.

 

What is equity release?

Equity is the amount of value you own in your home after you have subtracted any borrowings, such as mortgages on your property. Releasing equity from your home, in the simplest terms, means using some of that value in exchange for cash. There are a number of different ways to release equity depending on your needs.

 

Ways of releasing equity

Re-mortgaging 

If you are interested in borrowing more money against the value of your home to make home improvements or even for debt consolidation, this may be an option. If you use your existing mortgage provider, then you may be eligible for additional borrowing. This allows you to borrow more money with your current mortgage. This means if your mortgage is on a better rate currently, you may end up paying more interest. On the other hand, you may choose to find a new mortgage provider in order to get a better mortgage interest rate. 

 

Lifetime mortgages

Aimed at homeowners aged 55+, this type of mortgage allows you to borrow a proportion of your home’s equity. You could do this in one or a series of lump sums, while drawdown allows you to take equity as and when you need it. Interest will then be charged on the amount you borrow, which will be repaid when your home is sold. Most mortgage providers will allow you to repay up to 10% each year on the loan amount you borrow as equity from your home. It’s important to check that the scheme you choose comes with a no-negative equity guarantee in case mounting interest exceeds the value of the property in future years.

 

Home reversion 

Targeted at homeowners aged 60+ this scheme involves selling part of your home to the lender for a lump sum or an agreed income for a percentage of its market value. For example, you may sell 50% of your home for 30% of what it’s worth. While you can carry on living in the home, you will only receive a percentage of the market value for the share of your home you sell to them. This makes this scheme less popular than a lifetime mortgage due to its costly nature. When the home is sold, the revenue from the sale is divided according to the percentage each party owns, which includes any increases in value. 

 

Could downsizing be a better move?

If you need to fund your retirement and find yourself in a position where you have too much space, downsizing could be a better option. Most people are not best pleased about taking equity out of their homes. It can be a complicated and confusing process, which could erode any inheritance you leave for loved ones. Most people prefer the idea of owning their homes outright. Moving to a smaller, more energy-efficient property could give you a lump sum to fund your future plans without relinquishing any part of your home ownership. 

 

Discuss your property options with a good agent 

Sometimes properties themselves can hold the key to new opportunities and the solution to a better future. So, whether you want to downsize and use the profit from selling your old property to start a property portfolio, help family get on the ladder or to retire, it’s worth talking to your agent. Maybe you are making home improvements and want to know how much value you can add to your home. Perhaps you have hatched an ingenious plan that could involve letting part of your property to build a nest egg. Whatever your plans are, it's important to seek the right advice.

 

Contact us today to explore your property options

 
 

 

 

 



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Smart innovations to elevate your property’s appeal

 

Smart technology is revolutionising the property market, offering innovative solutions that streamline management, attract tenants and buyers, and future-proof investments. Whether you’re a seller, landlord, buyer, or tenant, these advancements can significantly enhance property functionality and satisfaction. 

 

Keyless entry systems for convenience 

Keyless entry systems are becoming a must-have in modern properties. 

 

For landlords and property managers: These systems allow secure, remote access for tenants, maintenance teams, or short-term guests, eliminating the need for physical keys. This is especially useful for short-term lets, where quick turnovers are common. 

 

For buyers: Keyless systems offer added convenience and security, making them an attractive feature when evaluating homes. 

 

Highlighting keyless entry in property listings signals modernity and practicality. 

 

Smart thermostats for energy efficiency 

Smart thermostats are transforming how properties manage energy consumption.

 

For landlords: These devices reduce energy costs, making properties more appealing to eco-conscious tenants. They also ensure efficient heating, minimising waste during vacancies. 

 

For sellers: Featuring smart thermostats can boost a property’s value and attract buyers seeking energy-efficient solutions. 

 

For tenants and buyers: These systems offer comfort and control, enabling remote adjustments to maintain an ideal indoor climate. 

 

Advanced security solutions 

Smart security technology is a top priority for tenants and buyers. 

 

Video doorbells and motion-activated cameras: These tools provide real-time monitoring and peace of mind. 

 

Smart alarm systems: Enhance security by offering remote notifications and quick responses to potential breaches. 

 

Properties equipped with advanced security features often stand out in competitive markets, appealing to individuals and families seeking peace of mind. 

 

Automated property management platforms 

For landlords and lettings agents, automation is a game-changer. 

 

Streamlined operations: Platforms can track rental payments, manage tenant communication, and schedule maintenance effortlessly. 

 

Time-saving benefits: Automated systems reduce errors and free up valuable time, allowing property managers to focus on growth. 

 

Automation tools enhance efficiency and professionalism, improving relationships with tenants and simplifying management tasks. 

 

Why smart innovations matter 

Adopting smart technologies benefits all stakeholders: 

Sellers: Enhance property appeal and marketability with modern, energy-efficient features. 

Landlords: Improve operational efficiency, attract quality tenants, and future-proof properties against evolving market demands. 

Buyers: Gain access to properties designed for convenience, security, and energy savings. 

Tenants: Enjoy comfort, safety, and the convenience of modern technology. 

 

Future-proof your property 

Investing in smart innovations not only improves current functionality but also positions properties to meet future expectations. By integrating keyless entry, energy-saving devices, advanced security, and automation tools, property owners and managers can enhance value, attract interest, and simplify operations.

 

Contact us today to explore how smart technology can elevate your property 

 



Essential property care tips for buyers, sellers, landlords, and tenants

 

Whether you’re buying, selling, letting, or renting, maintaining a property is a shared responsibility that benefits everyone. Proper care ensures comfort, protects investments, and increases market appeal. Here are practical tips tailored for buyers, sellers, landlords, and tenants to keep properties in top shape year-round. 

 

For buyers: Assess and prepare your investment 

Inspect before purchase: Conduct thorough inspections to check for structural issues, outdated systems, or hidden maintenance needs. Look for energy-efficient features, such as double glazing or modern insulation, to reduce long-term costs. 

 

Plan upgrades: After moving in, prioritise maintenance tasks like servicing heating systems or improving energy efficiency with smart thermostats. These upgrades protect your investment and improve comfort. 

 

Set a maintenance schedule: Regularly inspect the roof, gutters, and plumbing to prevent small issues from becoming costly repairs. 

 

For sellers: Showcase a well-maintained home 

Enhance kerb appeal: A tidy garden, clean pathways, and a freshly painted front door create a strong first impression. Ensure the exterior reflects the care given to the interior. 

 

Tackle minor repairs: Fix leaks, repaint scuffed walls, and polish fixtures to present a move-in-ready home. Highlight any recent upgrades, such as energy-efficient appliances, to attract eco-conscious buyers. 

 

Stage your property: Arrange furniture and lighting to maximise space and create a warm, inviting atmosphere during viewings. 

 

For landlords: Protect your investment and attract tenants 

Prioritise compliance: Ensure your property meets all legal requirements, including Energy Performance Certificates (EPCs) and safety checks for smoke alarms and gas appliances. 

 

Invest in energy efficiency: Features like smart meters, LED lighting, and insulation reduce tenant bills and increase rental appeal. 

 

Conduct regular inspections: Schedule periodic checks to identify maintenance issues early. Promptly address repairs to maintain tenant satisfaction and avoid emergencies. 

 

Foster good communication: Maintain open lines of communication with tenants to address concerns quickly and ensure a positive rental experience. 

 

For tenants: Care for your rented home 

Report issues promptly: Notify your landlord of maintenance concerns like leaks or faulty appliances as soon as they arise. Early reporting prevents minor problems from escalating. 

 

Practise energy-saving habits: Use heating efficiently, switch off unused lights, and report draughty windows or doors for landlord attention. 

 

Maintain cleanliness: Regular cleaning keeps the property in good condition and makes end-of-tenancy checks smoother. 

 

Understand your responsibilities: Familiarise yourself with your tenancy agreement to know which maintenance tasks fall under your care. 

 

Shared tips for everyone 

Keep outdoor areas safe: Clear gutters, remove moss or algae from pathways, and check for loose roof tiles to avoid hazards. 

 

Optimise energy use: Upgrade to energy-efficient systems and appliances, or adopt habits that conserve energy. These steps benefit both property owners and occupants. 

 

Prepare for emergencies: Ensure you have contact numbers for plumbers, electricians, and heating engineers readily available. Emergency preparedness reduces stress and resolves issues quickly. 

 

Why property care matters 

Proactive maintenance benefits everyone involved. Buyers and tenants enjoy a comfortable living environment, while sellers and landlords protect their investments and attract interest. Regular upkeep ensures properties remain valuable, safe, and efficient, making them stand out in a competitive market. 

 

Contact us for expert advice on maintaining or upgrading your property for maximum value 

 



The big picture: UK housing trends for 2025

 

The UK housing market continues to evolve as we enter 2025, shaped by economic conditions, buyer and tenant preferences, and ongoing regulatory changes. Sellers, landlords, and investors can benefit from understanding these trends to maximise opportunities in a competitive landscape. 

 

Energy efficiency takes centre stage 

Energy efficiency remains a top priority in 2025, driven by rising energy costs and stricter regulations. 

 

For sellers: Upgrading properties with features like insulation, double glazing, or smart thermostats can enhance market appeal and add value. 

 

For landlords: Meeting new EPC standards is essential to remain compliant and attract eco-conscious tenants. Energy-efficient properties not only reduce tenants’ utility costs but also future-proof investments against evolving policies. 

 

For buyers and tenants: Properties with strong EPCs offer long-term savings, making them increasingly desirable. 

 

Remote working reshapes preferences 

The shift to remote and hybrid working continues to influence housing demand. 

 

Flexible living spaces: Buyers and tenants seek homes with dedicated home offices, reliable broadband, and outdoor areas for work-life balance. 

 

Location trends: Suburban and rural properties with access to transport links and lifestyle amenities are gaining traction as people prioritise space and affordability. 

 

For sellers and landlords: Highlight features that accommodate flexible living in listings, such as office spaces, high-speed internet, and proximity to coworking hubs or green spaces. 

 

Rental demand 

For sellers: Properties in high-demand areas may still attract competitive offers, but pricing realistically and offering energy-efficient features will broaden appeal. 

 

For landlords: The rental market remains strong, with demand for well-maintained, energy-efficient homes outstripping supply. 

 

For tenants: While rental costs may be high, prioritising properties with energy-saving features can help reduce overall expenses. 

 

Regional differences drive dynamics 

While urban centres like London remain attractive, suburban and rural areas continue to gain popularity due to affordability and lifestyle preferences. 

 

For sellers: Emphasise local amenities, good schools, and transport links in suburban and rural listings. 

 

For landlords: Highlight lifestyle benefits such as proximity to nature, quieter neighbourhoods, or community-focused living to attract tenants seeking these qualities. 

 

For buyers and tenants: Exploring suburban or rural areas may offer better value for money and access to more spacious properties. 

 

Regulatory updates 

Regulatory changes remain a key factor in 2025. 

 

EPC standards: Landlords must meet stricter energy efficiency requirements to legally let properties, making upgrades essential. 

 

Tax implications: Buyers and sellers should stay informed about potential Stamp Duty changes. 

 

Rental policies: Landlords must navigate evolving rental regulations, ensuring compliance to avoid penalties. 

 

Navigating the 2025 market 

By staying informed and adapting strategies to align with market trends, stakeholders can navigate the 2025 UK housing market with confidence: 

Sellers: Focus on energy efficiency, flexible living spaces, and realistic pricing to attract buyers. 

Landlords: Maintain and upgrade properties to meet regulatory standards and appeal to tenants. 

Buyers: Prioritise energy-efficient homes and explore suburban and rural areas for better affordability. 

Tenants: Look for rentals that balance energy savings, affordability, and location preferences. 

 

Understanding the big picture allows you to make informed decisions, whether you’re buying, selling, or renting in 2025. 

 

Contact us today for expert guidance on navigating the UK housing market in 2025 

 




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