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INHOUSEFEBRUARY | MARCH 2013
ININHOUSEHOUSEHOUSEClever Marketing | SMart Selling | SMooth letting
THE MosT sUCCEssFUL pRopERTY MAgAzINE IN YoUR AREAFeaturing properties in Chigwell, loughton, Buckhurst hill, Woodford green,
epping, theydon Bois, abridge and surrounding areas
33,500COPIES OF INHOUSE aNd ElitE PRINTEd & dISTRIBUTEd
IN aNd aROUNd YOUR aREa
IF YOU aRE a PREMIUM PROPERTY-RElaTEd BUSINESS YOU COUld BOOK THIS PRIME POSITION
FOR FURTHER INFORMaTION PlEaSE CONTaCT JIMI EPPS ON 020 8418 1894 OR EMaIl [email protected]
CHIGWELL | LOUGHTON | WOODFORD | ELITE HOMES
www.lawlors.co.uk
A blistering start to a chilly 2013 and our
new look INHOUSE Magazine hits the homes
and quality outlets throughout the area
bringing a vast selection of properties to
suit all price ranges and pockets.
Our latest publication is crammed with useful information and insightful articles bringing the best of what Lawlors Sales & Lettings has to offer to the marketplace.
We have stripped out all the padding from our magazine and taken control of all marketing ourselves to ensure that each property is given the best profi le within any publication. Our associated advertisers are all in well-respected property-related businesses and it is our aim to bring a wide variety of property and fi nancial-related articles to our prospective clients and database. To be successful requires considerable history and knowledge of the area as well as progressive thinking and we hope that within the pages of our INHOUSE Magazine we have proved we are the best people to buy and sell your home through.
If you are thinking of selling this year call us for a valuation. You could not be in better hands.
ELLIOTT LAWLORMNAEA and MARLADirector We have stripped out all the padding from our magazine
and taken control of all marketing ourselves to ensure that each property is given the best profi le within any publication. Our associated advertisers are all in well-respected property-related businesses and it is our aim to bring a wide variety of property and fi nancial-related articles to our prospective clients and database. To be successful requires considerable history and knowledge of the area as well as progressive thinking and we hope that within the pages of our Magazine we have proved we are the best people to buy
If you are thinking of selling this year call us for a valuation.
Lawlors-Inhouse-Text-FebMar13.indd 1 04/02/2013 12:15
Exclusively £i,ooo,ooo and OverE l i t eExclusively £i,ooo,ooo and Over
The Luxury Property Magazine
February ~ March 2013
Should you help your children buy a home? New research by the Joseph Rowntree Foundation says afurther 1.5 million people aged 18-30 will be forced intorenting in the next eight years. The number who can’t affordto leave their parents’ home is expected to rise by half amillion to 3.7 million over the same period.
It makes grim reading for both generations and it is littlewonder that many parents feel compelled to help, but theyneed to think carefully before going ahead.
Everyone’s circumstances will differ but, as a general rule,parents should avoid dipping into their retirement funds tohelp their children. A lot of things can go wrong. If you arehanding over money, even as a loan, you should be ableto stand losing it if the worst comes to the worst.
You should also be certain that you are helping for the rightreasons. If your children are financially responsible and canafford to repay a mortgage but just can’t raise a depositthen it may make good sense to help them.
However, if they haven’t been sensible with money then youmay need to make some checks.
For example, if your children can’t get a mortgage then youneed to find out why. Get them to check their credit ratingand show it to you. Ask to see pay cheques and bankaccounts if necessary. This may seem severe but there’s alot at stake. Think of it as tough love.
After all, if they’re struggling financially already, giving themthe responsibility of a mortgage they can’t afford will onlyadd to their problems. It may be that helping them to payoff credit card debt may be more of a priority.
Once you decide to go ahead, there are various ways youcan help. Most parents do so by making a contributiontowards the deposit for a mortgage.
You could simply give them the money, but if you want it tobe repaid at some point in the future, you should draw upa written agreement so everyone knows where they stand.This is important because memories get blurred over time.
The agreement should include details of the repaymentschedule, preferably with a ‘promissory note’ so it’s aproper formal arrangement. You may also want to draw upa deed of trust outlining how much you have contributedto the purchase so you can get your money back whenyour child sells the property in the future.
If you are buying a home and renting it back to yourchildren, make sure you can meet the repayments if theycan’t. Otherwise, you may have to sell at a loss. If you don’thave enough money to help, you could borrow moneyusing your own home as security, but this carriesconsiderable risks as you could lose your home if youcannot meet the repayments.
You could consider a guarantor mortgage. This wouldenable your income to be taken into account whenassessing your child’s mortgage. However, you would beliable for the repayments if your child defaulted. The samewould apply to joint mortgages.
It’s only natural that parents should wish to help but theymust do so for the right reasons and in the rightcircumstances. If you get it right it could help your childrenbuild a brighter future; if you get it wrong, it could lead tofinancial hardship and even family splits in years to come.
For further information contact:
Peter Westbrook Residential Property Partner01279 638819 [email protected]
Loughton 020 8508 2111 | Hertford 01992 554881
Harlow 01279 638888 | Ware 01920 460531
www.attwatersjamesonhill.co.uk
Whatever happens in life, you can depend on
Attwaters Jameson Hill Solicitors
For information and advice, contact us at one or our four locations:
Twitter@Attwaters
Commercial • Civil Litigation • Commercial Property
Employment • Residential Property • Education
Town & Country Planning • Family • Road Traffic Offences
Wills, Trusts & Probate • Elderly Client Services
Personal Injury • Medical Negligence
Our ful l range of legal services includes:
AJH IN HOUSE AD:Layout 1 25/01/2013 14:54 Page 1
There is much confusion over the so called’ new legislation’ on extensions that appeared in the press in Autumn of last year. In short, there is no new legislation.
We all want building to be made easier but as yet this is not the case and may not ever be so. The new proposed legislation allowed houses to be increased on rear extensions by 6 or 8m dependent on whether they were attached or detached. There has been much ‘a do’ about this as of course one can imagine the impact it would have on those neighbours effected by such relaxation of what would normally require a Full Planning Application.
The current status is that consultation has been sought from all the national local councils and there is quite a lot of opposition. It is all very well to say ‘let’s build ourselves out of the recession’ BUT practicality states that if your neighbour suddenly extends into their garden similar in length to a small terrace house, I think most of us would have something to say about it! That’s why currently, you do require planning permission.
It does beg the question at what point is it acceptable to build under what is known as your Permitted Development. Currently one can build
architectureinteriorsTel +44 (0)20 8502 5585 [email protected] www.cleardesigns.uk.com
single storey rear extensions 3 or 4m dependent on the ‘attachment’ and up to 4 m high , as long as it is from original wall of the property. As architects, we think that when one is designing additional space it should be in the context of the surroundings. Therefore the extent, whilst allowing one to build out does not necessarily mean a good design.
Unfortunately we see too much too often of where Permitted Development does not work, as it is literally boxes built on the back of a house or the roof. Blighting the houses that they sit on, it is only if you are in a conservation area that you will not be able to implement this legislation.
We therefore sit as practice, unsure of what is best for architecture and the built environment. Is it to throw caution to the wind and hope that the general public appoint good architects to carry out designs within their Permitted Development Rights or; will it simply be a free for all to build BIGGER at whatever consequence to neighbourly relations?
Either way, we can only currently work to what we can and that is the old legislation, let’s see if it changes?
Permitted Development
Not Permitted Development
Relaxed Planning Legislation?Not Yet!
chigwell | loughton | woodford | elite homes
www.lawlors.co.uk
CONTENTS...
FRONT COVER The front cover of this edition showcases a number of landmarks in the local area, as seen through the eyes of our own professional photographer.
EPC RATINGWhat is this? An EPC Rating gives a property an Energy Efficiency Rating from A (most efficient) to G (least efficient) and it is valid for 10 years. Lawlors have included the accurate EPC Rating for all properties featured.
© leycol Publishing 2013. All rights reserved. reproduction is forbidden except by express permission of the Publishers. leycol Printers limited/leycol Publishing5 hancock road london e3 3dA tel: 020 8880 6000. for all publishing and print sales enquiries please contact elizabeth Baxendale on 07715 496 853
or [email protected]. for all advertising sales enquiries please contact Jimi epps on [email protected] or on 020 8418 1894.
FOR
PROPERTIES IN
ExCESS OF £1,000,000
PICk uP ThE LAwLORS
ELITE mAGAzINE OR
CALL 020 8418 1890
ChIGwELL
LOuGhTON
wOOdFORd
LETTINGS mANAGEmENT
116 High Road, Chigwell, Essex, IG7 5BJSales: 020 8281 0123 | [email protected]: 020 8502 3388 | [email protected]
165 High Road, Loughton, Essex, IG10 4LFSales: 020 8502 5588 | [email protected]: 020 8502 3388 | [email protected]
457 High Road, Woodford Green, Essex, IG8 OXESales: 020 8506 0828 | [email protected]: 020 8506 9109 | [email protected]
1st Floor, 165 High Road, Loughton, Essex, IG10 4LFTel: 020 8418 1896 | [email protected]
36-46 Loughton Sales A selection of the finest homes currently available through our loughton office.
48-49 Foskett marr Gadsby & head LLP chancel repair liability.
50-57 Loughton Lettings A selection of the finest homes to let currently available through our loughton office.
58-63 woodford Lettings A selection of the finest homes to let currently available through our woodford office.
64 Ashbee Lodge by higgins A luxurious lifestyle in an unrivalled location.
3 Sign of the Times... A fresh new look for lawlors.
4-12 woodford Sales A selection of the finest homes currently available through our woodford office.
14-15 The Oak-Tree Group of Schools in conversation with headmistress Kaye lovejoy of coopersale hall school.
16-29 Chigwell Sales A selection of the finest homes currently available through our chigwell office.
20-21 Clear relaxed planning legislation?
30-31 Attwaters Jameson hill Solicitors should you help your children buy a home?
32-35 Repton Park A selection of the finest homes currently available in this exclusive development.
Lawlors-Inhouse-Text-FebMar13.indd 2 04/02/2013 12:21
SIGN OF THE TIMES...
To celebrate the start of a brand
new year we are pleased to announce
the launch of a brand new image
for Lawlors Sales & Lettings.
It is vitally important for any business to keep pace
with change and the recent demise of so many well-
established companies over recent months illustrates the
need to be ‘one step ahead of the competition’.
Over the 24 years we have been trading we have
constantly updated, not only our image, but our business
practices to ensure that we are totally in tune with our
clients and current market trends. Our new fresh boards with their easily identifi able and distinctive logo
will set every property that displays one apart from the crowd.
Our new look INHOUSE & ELITE Magazines, together with our amazing
professionally-printed property details, complete the suite of changes that
will keep our organisation at the top of our game.
We predict that 2013 will be signifi cantly different from the previous
diffi cult years and we are already experiencing a surge of new instructions
onto the market. Many of our potential clients who had put their moving
plans on hold are now taking advantage of a fresh wave of interest
encouraged by mortgage funds becoming more easily available.
The prospects for recovery look promising.
We are quietly confi dent that with our new image and our
determination to succeed 2013 will prove to be a record year!
CHIGWELL | LOUGHTON | WOODFORD | ELITE HOMES
www.lawlors.co.uk
An exceptional 5 bedroom detached property, with a 100 foot garden and close to good schools.
£750,000
Ardmore Lane, Buckhurst Hill 5 bedroom
house
Our new look property details
CHIGWELL | LOUGHTON | WOODFORD | ELITE HOMES
www.lawlors.co.uk
Lawlors-Inhouse-Text-FebMar13.indd 3 04/02/2013 12:21
SPOTLIGHT ON WOODFORD SALES...
As a long-established feature of the Woodford
scene our branch operates a highly personal
and integrated service backed by sound local
knowledge.
By offering both sales and lettings within the same offi ce the exchange
of information between all the negotiators ensures that our clients have
the best advice whether buying, selling or renting. We are currently
experiencing a fresh surge of valuations within the area and an increase
in the number of registered buyers, many of whom are switching from
rental back into sales.
We have particular requirements around Broadmead Road and
Charteris Road, together with many fi rst-time buyers looking to purchase
around Woodford station and Snakes Lane East. Our presence on the
Knighton and Monkhams Estates has been established over many years
and as the economy improves we are seeing many families considering
the next step up.
For a personal in-depth consultation about your property
call our Woodford Green sales team.
LAURINDA MOTAManager
WOODFORD | 020 8506 0828 | [email protected] | WWW.LAWLORS.CO.UK
JAN KAYSenior Negotiator
THOMAS CANNSenior Negotiator
CALL US NOW
FOR A FREE
VALUATION
WITH NO
OBLIGATION
Lawlors-Inhouse-Text-FebMar13.indd 4 04/02/2013 12:20
5
WOODFORD | 020 8506 0828 | [email protected] | WWW.laWlORs.cO.uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
High Road, Woodford Green
£1,100,000 sOle aGency
This delightful mock-Tudor style four bedroom detached residence is situated in Woodford Green facing onto Epping Forest.
The accommodation comprises of a kitchen/breakfast room, utility room, dining room, lounge, study, cloakroom/Wc, master bedroom with en suite bathroom, family bathroom, off-street parking, single garage and a very attractive rear garden. This home is beautifully presented throughout with potential to extend to the back and loft (stpp). an internal viewing is highly recommended.
EPC - E
4bedrooms
Gascoigne Gardens, Woodford Green
£550,000 OIeO sOle aGency
This stunning four bedroom semi-detached house faces on to woodland and boasts four reception rooms.
There is a stunning kitchen with granite worktops and floor tiles, under-floor heating and a ground floor cloakroom. The first floor offers four bedrooms and a large five piece bathroom suite with a double shower. externally there is an attractive rear garden with elevated decked area, patio and ample off-street parking and attached garage.
EPC - D
4bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 5 01/02/2013 17:35
Redridge Lane West, Wanstead
£725,000 soLe agency
This is a beautifully presented six bedroom semi-detached family home.
The accommodation comprises of a large hallway leading into the front reception room, kitchen/diner, dining room, orangery, utility room, cloak room with shower and access to the cellar. The first floor comprises of four good sized bedrooms with family bathroom and stairs up to the two further bedrooms within the loft conversion, both of which have en suite bathrooms.
EPC - E
6bedrooms
Harts grove, Woodford green
£950,000 oIeo soLe agency
A stunning four bedroom detached family home.
The accommodation comprises of a spacious conservatory with under-floor heating, stunning fitted kitchen with granite worktops, impressive living area, utility room and cloakroom. There are four double bedrooms, two en suite shower rooms and a family bathroom. externally, there is a detached double garage and a secluded landscaped rear garden. Planning permission has been obtained for a loft extension and two storey side extension.
EPC - C
4bedrooms
6
WooDFoRD | 020 8506 0828 | [email protected] | WWW.LaWLoRs.co.uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
soLDsTc
Lawlors-Inhouse-Text-FebMar13.indd 6 01/02/2013 17:36
7
WOODFORD | 020 8506 0828 | [email protected] | WWW.laWlORs.cO.uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
Mornington Road, Woodford Green
£999,999 sOle aGency
Nestled within this sought-after road in Woodford Green is this spacious five bedroom detached family home.
To the ground floor there is a lounge, sitting room, dining room, kitchen, utility room and a cloakroom/Wc. The first floor offers good sized bedrooms, family bathroom with separate Wc and en suite to the master bedroom. The rear garden is secluded measuring approximately 145ft x 57ft. Overall plot size 222ft x 57ft. chain free.
EPC - F
5bedrooms
Whitehall Road, Woodford Green
£749,999 sOle aGency
Ideally located for Bancroft School is this immaculately presented detached family home.
On the ground floor there is a lounge with original parquet flooring, large open-plan kitchen/living area, conservatory and cloakroom. On the first floor there is a galleried landing, four bedrooms and two bathrooms. The mature landscaped garden is south facing and there is a self-contained study with its own street access, off-street parking and carriage driveway.
EPC - E
4bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 7 01/02/2013 17:36
Sunset Avenue, Woodford Green
£325,000 OIEO SOlE AGEncy
Located within this sought after apartment complex on Sunset Avenue is this very well presented two bedroom first floor apartment.
Internally the property offers lounge with dining area, fitted kitchen, lounge with attractive balcony, two bedrooms with en suite bathroom to the master bedroom and shower room. Externally there is underground parking and communal grounds. This property is offered to the market with no onward chain.
EPC - C
2bedrooms
Oak Hill Gardens, Woodford Green
£330,000 SOlE AGEncy
This immaculate three bedroom townhouse is ideally situated in a quiet cul-de-sac surrounded by woodland and is well placed for connections into London and the Central Line tube.
The property itself benefits from a modern kitchen/diner on the ground floor, a reception room and single bedroom on the first floor and two further bedrooms and bathroom on the second floor. Attractive rear garden and off-street parking to the front.
EPC - D
3bedrooms
8
WOODFORD | 020 8506 0828 | [email protected] | WWW.lAWlORS.cO.uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
Lawlors-Inhouse-Text-FebMar13.indd 8 01/02/2013 17:36
Lawlors-Inhouse-Text-FebMar13.indd 9 01/02/2013 17:36
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Evergreen Apartments, High Road, Woodford Green
£345,000 EPC - B
An immaculate two bedroom, penthouse apartment in the rear of the building away from the High Road.
A large open-plan kitchen/living area, double bedrooms, large rear facing balcony and three underground parking spaces.
2bedrooms
Rosslyn Avenue, Chingford
£339,950 EPC - E
Located in a peaceful cul-de-sac is this two bedroom refurbished semi-detached bungalow.
Kitchen, reception, sun lounge, off-street parking, garage, beautifully presented garden. Potential to extend over the garage (stpp). Chain free.
2bedrooms
Oak Hill, Woodford Green
£399,999 sOlE AGEnCy EPC - F
A rare opportunity to purchase this unique refurbished bungalow set in a quiet forest location.
The accommodation includes a large lounge area, dining room, kitchen, bathroom, galleried master bedroom with en suite, garden and parking.
2bedrooms
swift House, Chigwell Road
£149,999 sOlE AGEnCy EPC - E
This well presented studio apartment would make an ideal first time or investment purchase.
Complete with modern fitted kitchen, separate bathroom and garage. Ideally located for shops, bars and Central line tube at south Woodford.
1bedroom
WOODFORD | 020 8506 0828 | [email protected] | WWW.lAWlORs.CO.uK
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
Lawlors-Inhouse-Text-FebMar13.indd 10 01/02/2013 17:37
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WOODFORD | 020 8506 0828 | [email protected] | WWW.laWlORs.cO.uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
Derby Road, south Woodford
£799,999 sOle agency
This large seven bedroom Victorian character family home in the heart of South Woodford offers spacious and flexible accommodation over four floors.
The lower ground floor offers a kitchen/diner as well as two further rooms. The upper ground floor has three reception rooms and the upper two floors feature the additional bedrooms and bathrooms.
EPC - D
7bedrooms
Prospect Road, Woodford green
£430,000
This five bedroom, three bathroom semi-detached chalet-bungalow has been refurbished to a high standard internally and offers spacious living accommodation.
substantial kitchen/diner, lounge, utility room, bathrooms to both ground and first floor as well as an en suite shower room to master bedroom. externally there is off-street parking and an attractive rear garden. chain free.
EPC - E
5bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 11 01/02/2013 17:38
Please contact our Woodford sales office on 020 8506 0828 or by email [email protected]
to arrange your free aPPraisal today!
WOODFORD | 020 8506 0828 | [email protected] | WWW.laWlORs.cO.uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
12
Woodford salesProPerties urgently required on the monkhams and knighton estates for Waiting customers!
sOlD sOlD
sOlD sOlDsTc
Lawlors-Inhouse-Text-FebMar13.indd 12 01/02/2013 17:38
33,500COPIES OF
INHOUSE aNd ElitE
PRINTEd & dISTRIBUTEd
IN aNd aROUNd
YOUR aREa
IF YOU aRE a PREMIUM PROPERTY-RElaTEd BUSINESS YOU COUld BOOK THIS PRIME POSITION
FOR FURTHER INFORMaTION PlEaSE CONTaCT JIMI EPPS ON 020 8418 1894 OR EMaIl [email protected]
Lawlors-Inhouse-Text-FebMar13.indd 13 01/02/2013 17:38
Coopersale Hall School, Epping
Q
Q
Q
Q
Q
Q
Q
Have you seen any effects of the current economic climate?Our recent Open Days were very busy with many new families attending. We haven’t really seen a downturn in demand – more that parents have been looking for other ways to manage the financial commitment of fees, such as spreading payments or looking to grandparents for support. Prospective parents are generally well-informed about private schooling and the many
opportunities that we offer.
Where are your new pupils travelling from?We’ve seen many new families move into Epping recently who have been looking for excellent local independent schools such as Coopersale Hall. We’re only 15 minutes from Chigwell via Abridge and Theydon Bois, and the same distance from Woodford, Loughton and North Chingford. There’s been a marked rise in interest from families coming from areas such as
Stapleford Abbots, North Weald, Roydon and Ongar.
How successful are Coopersale Hall children at 11+?Our pupils are extremely well-prepared for a wide choice of senior schools at age 11 and we work with families to guide them towards the schools that best suit their children. We have an outstanding track record of helping children into their first choice senior schools and preparing them for life beyond Coopersale Hall. Our older children have lots of opportunities to try new things via our extensive range of extra-curricular activities – over 40
clubs and societies to choose from.
How does being part of The Oak-Tree Group help?Being part of a family-owned and managed group gives us the strength and expertise to develop whilst maintaining the high level of attention we give to
In conversation with Headmistress, Kaye Lovejoy
our pupils’ individual progression. We participate in group activities, such as academic or sporting fixtures and the bi-annual Music and Dance Festival that showcases the wide range of talents from pupils at all three schools. The staff have joint training sessions and meet at regular intervals to share ideas and discuss the latest educational trends.
How do you see the relationship between school and parents?One of the strengths of Coopersale Hall School is that we know our pupils and their families very well. Our smaller class sizes help our many specialist teachers to support and extend whenever possible. Our recent series of parent coffee mornings with Matthew Hagger, Group Principal, and myself, have been useful to discuss all aspects of the education we provide. Parent Workshops on Maths skills, French, Science and Early Years reading have enabled parents to help their children more at home.
Your parents’ association seems to be very proactive – how involved does it get in school life?We are very fortunate to have a team of very active parents who work hard together to raise funds to provide extra resources for the children such as playground equipment, classroom luxuries and even a minibus! They also fund trips to places like the Tower of London and have a direct line to Santa and the Easter Bunny!
What does Spring Term bring?We have our next Open Morning on Friday 15 March, where we open our doors on a regular school day so that new parents can see Coopersale Hall School in action.
Lawlors-Inhouse-Text-FebMar13.indd 14 01/02/2013 17:39
For more information visit: www.oaktreeschools.co.uk @oaktreesch
The Oak-Tree group of Schoolsthree privately owned popular independent schools in the epping Forest area, each with a strong emphasis on:
• Friendly, family atmospheres •• high academic standards •
• self-confidence and discipline •
• before and after-school care •• small class sizes •
• excellent success rates at all levels •
• impressive inspection reports •• excellent partnership with parents •
• Many extra-curricular activities •
Coopersale hall SchoolEppiNgboys & Girls 2 1/2 - 11
headmistress: Miss Kaye LovejoyFlux’s Lane, epping, essex cM16 7peTel: 01992 577133www.coopersalehallschool.co.uk
SUPERANS CONANDO
Oaklands SchoolLOughTONboys & Girls 2 1/2 - 11
headmistress: Mrs cheryl Macnair8 albion hill, Loughton, essex iG10 4raTel: 020 8508 3517www.oaklandsschool.co.uk
E PLUR I B U S UNUM
Normanhurst SchoolNOrTh ChiNgFOrdboys & Girls 2 1/2 - 16
headmistress: Mrs claire Osborn68-74 station road, north chingford, London e4 7baTel: 020 8529 4307www.normanhurstschool.co.uk
FILIUS VIRI PATER EST
Open Morning - Thursday 14 March 9.15am
Open Morning - Tuesday 12 March 9.15am
Open Morning - Friday 15 March 9.15
Open Days in March & OctOber
Oaktree Group A4_Layout 1 10/12/2012 13:26 Page 1
For more information visit: www.oaktreeschools.co.uk @oaktreesch
The Oak-Tree group of Schoolsthree privately owned popular independent schools in the epping Forest area, each with a strong emphasis on:
• Friendly, family atmospheres •• high academic standards •
• self-confidence and discipline •
• before and after-school care •• small class sizes •
• excellent success rates at all levels •
• impressive inspection reports •• excellent partnership with parents •
• Many extra-curricular activities •
Coopersale hall SchoolEppiNgboys & Girls 2 1/2 - 11
headmistress: Miss Kaye LovejoyFlux’s Lane, epping, essex cM16 7peTel: 01992 577133www.coopersalehallschool.co.uk
SUPERANS CONANDO
Oaklands SchoolLOughTONboys & Girls 2 1/2 - 11
headmistress: Mrs cheryl Macnair8 albion hill, Loughton, essex iG10 4raTel: 020 8508 3517www.oaklandsschool.co.uk
E PLUR I B U S UNUM
Normanhurst SchoolNOrTh ChiNgFOrdboys & Girls 2 1/2 - 16
headmistress: Mrs claire Osborn68-74 station road, north chingford, London e4 7baTel: 020 8529 4307www.normanhurstschool.co.uk
FILIUS VIRI PATER EST
Open Morning - Thursday 14 March 9.15am
Open Morning - Tuesday 12 March 9.15am
Open Morning - Friday 15 March 9.15
Open Days in March & OctOber
Oaktree Group A4_Layout 1 10/12/2012 13:26 Page 1
Lawlors-Inhouse-Text-FebMar13.indd 15 01/02/2013 17:39
SPOTLIGHT ON CHIGWELL SALES...
Manager John Thoma says, “We may not have
the largest offi ce but we defi nitely have the
biggest reputation. I have spent over ten years
working within the Lawlors organisation and
because of this I have many buyers and sellers
who come back to us over and over again
and it is very good to know that one’s reputation
is rewarded by repeat business.”
The enthusiastic team that supports John Thoma and his quest of a top
offi ce position are more than willing to go the extra mile to get your
property sold. Chigwell has seen an infl ux of developments over the
last year adding a new dimension to the skyline. This makes Chigwell
a hugely desirable location because of the strong mix between the
well-established luxury properties for which Chigwell is renowned
together with a more urban and eclectic collection of properties.
We have many plans to boost our Chigwell offi ce this year and the
extensive range of properties we are offering is testimony to the fact
that people use us time and time again.
Here’s to another successful year.
JOHN THOMAManager
KEVIN HASSANSenior Negotiator
RHIANNA MILLSNegotiator
CHIGWELL | 020 8281 0123 | [email protected] | WWW.LAWLORS.CO.UK
CALL US NOW
FOR A FREE
VALUATION
WITH NO
OBLIGATION
Lawlors-Inhouse-Text-FebMar13.indd 16 04/02/2013 12:20
17
chigwell | 020 8281 0123 | [email protected] | www.lawlors.co.uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
IN BRIEF...
station road, chigwell £389,995 sole ageNcY EPC - D
2 bedrooms | 2 reception rooms | 2 bathrooms
Manor road, chigwell £799,995 sole ageNcY EPC - E
6 bedrooms | 3 reception rooms | 2 bathrooms
Fontayne avenue, chigwell £624,995 sole ageNcY EPC - D
4 bedrooms | 2 reception rooms | 2 bathrooms
love lane, woodford green £159,995 sole ageNcY EPC - C
1 bedroom | 1 reception room | 1 bathroom
st. Marys way, chigwell £495,000 oieo sole ageNcY EPC - D
4 bedrooms | 2 reception rooms | 2 bathrooms
The Bowls, chigwell £569,995 sole ageNcY EPC - C
3 bedrooms | 2 reception rooms | 2 bathrooms
chigwell rise, chigwell £759,995 sole ageNcY EPC - D
4 bedrooms | 2 reception rooms | 2 bathrooms
st. winifreds close, chigwell £249,995 EPC - D
2 bedrooms | 1 reception room | 1 bathroom
Fontayne avenue, chigwell £574,995 EPC - F
4 bedrooms | 3 reception rooms | 2 bathrooms
hoveton way, oakwood gate £539,995 sole ageNcY EPC - C
4 bedrooms | 2 reception rooms | 2 bathrooms
Dacre gardens, chigwell £429,995 sole ageNcY EPC - D
3 bedrooms | 1 reception room | 1 bathroom
london road, abridge £249,995 sole ageNcY EPC - F
2 bedrooms | 1 reception room | 1 bathroom
Lawlors-Inhouse-Text-FebMar13.indd 17 01/02/2013 17:40
18
chigwell | 020 8281 0123 | [email protected] | www.lawlors.co.uk
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gainsborough Place, chigwell
£974,995 sole agency EPC - C
A five bedroom detached property situated within a gated development with 70ft garden (approx).
kitchen/breakfast room, utility room, three reception rooms, study, two en suites, family bathroom, double garage and off-street parking for two cars.
5bedrooms
lodge close, chigwell
£699,995 sole agency EPC - E
A four/five bedroom detached family home behind security gates with extra self-contained bedroom and bathroom.
spacious open-plan lounge/dining room, conservatory, family room/study, fitted kitchen with utility area, guest cloakroom, bathroom.
5bedrooms
Fencepiece road, chigwell
£639,995 sole agency EPC - C
Arranged over three floors is this beautifully presented detached house with under-floor heating on the ground floor.
lounge, fitted kitchen, dining room, utility room, conservatory, two guest cloakrooms, two en suite shower rooms, dressing room, family bathroom.
5bedrooms
great owl road, chigwell
£880,000 oieo sole agency EPC - D
A spacious four bedroom detached house set in a cul-de-sac with 140ft southerly aspect rear garden.
Four reception rooms, modern kitchen, utility room, guest cloakroom, two en suites, a dressing room, family bathroom.
4bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 18 01/02/2013 17:40
Lechmere Avenue, Chigwell
£489,995 soLe AgenCy EPC - E
A well presented three bedroom detached house.
Lounge/diner, fitted kitchen, bathroom, a 76ft rear garden (approx), detached garage and off-street parking for at least two vehicles. There is potential to extend, subject to planning permission.
3bedrooms
ChigweLL | 020 8281 0123 | [email protected] | www.LAwLors.Co.uk
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19
Coolgardie Avenue, Chigwell
£627,500 soLe AgenCy EPC - E
An excellent five bedroom semi-detached house.
Lounge, dining room, kitchen/breakfast room, utility room, guest cloakroom, two bathrooms and 55ft garden (approx). Plans are available to extend into the loft for either one or two extra bedrooms and en suite.
5bedrooms
Lambourne road, Chigwell row
£650,000 EPC - D
An extended large four bedroom detached family home.
Lounge, dining room, fitted kitchen/breakfast room, utility room, guest cloakroom, family bathroom, and en suite to the master bedroom. There is a secluded rear garden with a heated swimming pool which is fenced off.
4bedrooms
Chigwell rise, Chigwell
£934,995 soLe AgenCy EPC - D
Offered chain free is this attractive four bedroom detached residence. With a southerly aspect rear garden of 130ft.
A spacious hallway, three reception rooms, conservatory, modern kitchen, utility room, guest cloakroom, en suite and separate bathroom.
4bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 19 01/02/2013 18:05
There is much confusion over the so called’ new legislation’ on extensions that appeared in the press in Autumn of last year. In short, there is no new legislation.
We all want building to be made easier but as yet this is not the case and may not ever be so. The new proposed legislation allowed houses to be increased on rear extensions by 6 or 8m dependent on whether they were attached or detached. There has been much ‘a do’ about this as of course one can imagine the impact it would have on those neighbours effected by such relaxation of what would normally require a Full Planning Application.
The current status is that consultation has been sought from all the national local councils and there is quite a lot of opposition. It is all very well to say ‘let’s build ourselves out of the recession’ BUT practicality states that if your neighbour suddenly extends into their garden similar in length to a small terrace house, I think most of us would have something to say about it! That’s why currently, you do require planning permission.
It does beg the question at what point is it acceptable to build under what is known as your Permitted Development. Currently one can build
architectureinteriorsTel +44 (0)20 8502 5585 [email protected] www.cleardesigns.uk.com
single storey rear extensions 3 or 4m dependent on the ‘attachment’ and up to 4 m high , as long as it is from original wall of the property. As architects, we think that when one is designing additional space it should be in the context of the surroundings. Therefore the extent, whilst allowing one to build out does not necessarily mean a good design.
Unfortunately we see too much too often of where Permitted Development does not work, as it is literally boxes built on the back of a house or the roof. Blighting the houses that they sit on, it is only if you are in a conservation area that you will not be able to implement this legislation.
We therefore sit as practice, unsure of what is best for architecture and the built environment. Is it to throw caution to the wind and hope that the general public appoint good architects to carry out designs within their Permitted Development Rights or; will it simply be a free for all to build BIGGER at whatever consequence to neighbourly relations?
Either way, we can only currently work to what we can and that is the old legislation, let’s see if it changes?
Permitted Development
Not Permitted Development
Relaxed Planning Legislation?Not Yet!
There is much confusion over the so called’ new legislation’ on extensions that appeared in the press in Autumn of last year. In short, there is no new legislation.
We all want building to be made easier but as yet this is not the case and may not ever be so. The new proposed legislation allowed houses to be increased on rear extensions by 6 or 8m dependent on whether they were attached or detached. There has been much ‘a do’ about this as of course one can imagine the impact it would have on those neighbours effected by such relaxation of what would normally require a Full Planning Application.
The current status is that consultation has been sought from all the national local councils and there is quite a lot of opposition. It is all very well to say ‘let’s build ourselves out of the recession’ BUT practicality states that if your neighbour suddenly extends into their garden similar in length to a small terrace house, I think most of us would have something to say about it! That’s why currently, you do require planning permission.
It does beg the question at what point is it acceptable to build under what is known as your Permitted Development. Currently one can build
architectureinteriorsTel +44 (0)20 8502 5585 [email protected] www.cleardesigns.uk.com
single storey rear extensions 3 or 4m dependent on the ‘attachment’ and up to 4 m high , as long as it is from original wall of the property. As architects, we think that when one is designing additional space it should be in the context of the surroundings. Therefore the extent, whilst allowing one to build out does not necessarily mean a good design.
Unfortunately we see too much too often of where Permitted Development does not work, as it is literally boxes built on the back of a house or the roof. Blighting the houses that they sit on, it is only if you are in a conservation area that you will not be able to implement this legislation.
We therefore sit as practice, unsure of what is best for architecture and the built environment. Is it to throw caution to the wind and hope that the general public appoint good architects to carry out designs within their Permitted Development Rights or; will it simply be a free for all to build BIGGER at whatever consequence to neighbourly relations?
Either way, we can only currently work to what we can and that is the old legislation, let’s see if it changes?
Permitted Development
Not Permitted Development
Relaxed Planning Legislation?Not Yet!
Lawlors-Inhouse-Text-FebMar13.indd 20 01/02/2013 18:08
There is much confusion over the so called’ new legislation’ on extensions that appeared in the press in Autumn of last year. In short, there is no new legislation.
We all want building to be made easier but as yet this is not the case and may not ever be so. The new proposed legislation allowed houses to be increased on rear extensions by 6 or 8m dependent on whether they were attached or detached. There has been much ‘a do’ about this as of course one can imagine the impact it would have on those neighbours effected by such relaxation of what would normally require a Full Planning Application.
The current status is that consultation has been sought from all the national local councils and there is quite a lot of opposition. It is all very well to say ‘let’s build ourselves out of the recession’ BUT practicality states that if your neighbour suddenly extends into their garden similar in length to a small terrace house, I think most of us would have something to say about it! That’s why currently, you do require planning permission.
It does beg the question at what point is it acceptable to build under what is known as your Permitted Development. Currently one can build
architectureinteriorsTel +44 (0)20 8502 5585 [email protected] www.cleardesigns.uk.com
single storey rear extensions 3 or 4m dependent on the ‘attachment’ and up to 4 m high , as long as it is from original wall of the property. As architects, we think that when one is designing additional space it should be in the context of the surroundings. Therefore the extent, whilst allowing one to build out does not necessarily mean a good design.
Unfortunately we see too much too often of where Permitted Development does not work, as it is literally boxes built on the back of a house or the roof. Blighting the houses that they sit on, it is only if you are in a conservation area that you will not be able to implement this legislation.
We therefore sit as practice, unsure of what is best for architecture and the built environment. Is it to throw caution to the wind and hope that the general public appoint good architects to carry out designs within their Permitted Development Rights or; will it simply be a free for all to build BIGGER at whatever consequence to neighbourly relations?
Either way, we can only currently work to what we can and that is the old legislation, let’s see if it changes?
Permitted Development
Not Permitted Development
Relaxed Planning Legislation?Not Yet!
There is much confusion over the so called’ new legislation’ on extensions that appeared in the press in Autumn of last year. In short, there is no new legislation.
We all want building to be made easier but as yet this is not the case and may not ever be so. The new proposed legislation allowed houses to be increased on rear extensions by 6 or 8m dependent on whether they were attached or detached. There has been much ‘a do’ about this as of course one can imagine the impact it would have on those neighbours effected by such relaxation of what would normally require a Full Planning Application.
The current status is that consultation has been sought from all the national local councils and there is quite a lot of opposition. It is all very well to say ‘let’s build ourselves out of the recession’ BUT practicality states that if your neighbour suddenly extends into their garden similar in length to a small terrace house, I think most of us would have something to say about it! That’s why currently, you do require planning permission.
It does beg the question at what point is it acceptable to build under what is known as your Permitted Development. Currently one can build
architectureinteriorsTel +44 (0)20 8502 5585 [email protected] www.cleardesigns.uk.com
single storey rear extensions 3 or 4m dependent on the ‘attachment’ and up to 4 m high , as long as it is from original wall of the property. As architects, we think that when one is designing additional space it should be in the context of the surroundings. Therefore the extent, whilst allowing one to build out does not necessarily mean a good design.
Unfortunately we see too much too often of where Permitted Development does not work, as it is literally boxes built on the back of a house or the roof. Blighting the houses that they sit on, it is only if you are in a conservation area that you will not be able to implement this legislation.
We therefore sit as practice, unsure of what is best for architecture and the built environment. Is it to throw caution to the wind and hope that the general public appoint good architects to carry out designs within their Permitted Development Rights or; will it simply be a free for all to build BIGGER at whatever consequence to neighbourly relations?
Either way, we can only currently work to what we can and that is the old legislation, let’s see if it changes?
Permitted Development
Not Permitted Development
Relaxed Planning Legislation?Not Yet!
Lawlors-Inhouse-Text-FebMar13.indd 21 01/02/2013 18:08
Manor Road, Chigwell
£925,000 EPC - D
A delightful, recently redecorated throughout, five bedroom detached residence offered chain free.
Fitted kitchen/breakfast room, utility room, guest cloakroom, dual aspect drawing room, dining room, two en suites and a family bathroom.
5bedrooms
22
Chigwell | 020 8281 0123 | [email protected] | www.lawloRs.Co.uk
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hoe lane, abridge
£749,995 sole agenCy EPC - E
An immaculate three double bedroom detached bungalow.
Boasting fabulous views and benefiting from a recently fitted kitchen/breakfast room, lounge, dining room, bathroom and shower room. with a landscaped 186ft garden, ample parking, car port and garage.
3bedrooms
The shrubberies, Chigwell
£465,000 EPC - D
An exceptional four bedroom semi-detached family home.
spacious through lounge/diner, contemporary kitchen/breakfast room, utility room, guest cloakroom, en suite, family bathroom. This house also benefits from a 110ft rear garden, garage and off-street parking.
4bedrooms
Manor Road, Chigwell
£655,000 sole agenCy EPC - E
An opportunity has arisen to purchase this prestigious Chigwell corner plot. Total plot size of approx 9800sqft.
The existing bungalow is waiting to be demolished. This plot is offered with approved planning for a much larger (circa 2200sqft) bungalow.
2bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 22 01/02/2013 18:09
chigwell | 020 8281 0123 | [email protected] | www.lawlors.co.uk
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23
Dacre gardens, chigwell
£509,995 EPC - D
A delightful detached bungalow, offered chain free, with planning permission to convert the loft space and garage.
The features include a spacious lounge, kitchen/diner, a three piece bathroom suite, landscaped garden, off-street parking and garage.
3bedrooms
glenside, chigwell
£924,995 sole agency EPC - F
A two bedroom detached chalet bungalow which has ample opportunity to develop, subject to planning.
lounge, sitting room, kitchen/diner, guest cloakroom, two double bedrooms, shower room, 95ft garden, offered chain free.
2bedrooms
Manor road, chigwell
£464,995 sole agency EPC - C
Situated on one of Chigwell’s premier roads is this three bedroom ground floor apartment, offered chain free.
lounge/dining room, balcony, kitchen/breakfast room, master bedroom with en suite, separate bathroom, garage en-bloc and allocated parking.
3bedrooms
chigwell rise, chigwell
£799,995 sole agency EPC - E
A four bedroom detached home, offered chain free with ample potential to develop, subject to planning permission.
Through lounge, dining room, kitchen/breakfast room, guest cloakroom, bathroom, separate wc and a rear garden in excess of 180ft.
4bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 23 01/02/2013 18:09
Martham Close, Oakwood Gate, Ilford
£499,995 sOle aGenCy EPC - C
This beautifully presented four bedroom detached house is situated within this popular development.
The property benefits include three reception rooms, kitchen/breakfast room, utility room, guest cloakroom, en suite and a family bathroom.
4bedrooms
24
ChIGwell | 020 8281 0123 | [email protected] | www.lawlOrs.CO.uk
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Chigwell Park Drive, Chigwell
£724,995 sOle aGenCy EPC - E
This five bedroom detached family home is situated close to Chigwell’s Central Line station.
Two reception rooms, kitchen/breakfast room, utility room, two bathrooms, garage, 60ft (approx) southerly aspect garden and off-street parking.
5bedrooms
Purleigh avenue, woodford Green
£439,995 sOle aGenCy EPC - D
A recently refurbished, four bedroom end of terrace house.
large lounge, modern kitchen/diner, utility room, guest cloakroom, study area, en suite shower room, family bathroom, detached garage to the rear with the garden being of a southerly aspect.
4bedrooms
woolhampton way, Chigwell row
£449,995 OIeO sOle aGenCy EPC - E
Situated close to Hainault Forest, this three double bedroom detached house has planning permission to extend.
lounge/diner, fitted kitchen, guest cloakroom, a family bathroom, ample parking and an integral garage.
3bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 24 01/02/2013 18:09
chigwell | 020 8281 0123 | [email protected] | www.lawlors.co.uk
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25
Bracken Drive, chigwell
£1,125,000 sole agency EPC - C
This attractive three/four bedroom detached chalet-style bungalow is recently refurbished and is disabled compliant.
Two/three reception rooms, kitchen/diner, en suite and dressing area plus two further bathrooms as well as a garage housing a utility area.
4bedrooms
roding lane north, woodford green
£619,995 sole agency EPC - C
Having been totally refurbished throughout to a high standard is this five/six bedroom semi-detached house.
a beautifully crafted fitted kitchen/dining room, spacious lounge, family room, en suite, family bathroom plus a ground floor shower room.
6bedrooms
high road, chigwell Village
£424,995 sole agency EPC - D
An individual two bedroom link-detached house which benefits from being in a private courtyard location.
Two reception rooms, sun lounge, kitchen/breakfast room, utility room, master bedroom and study/dressing room with en suites, garden, garage and car port.
2bedrooms
Brook rise, chigwell
£699,995 sole agency EPC - D
Just a short walk to Chigwell’s Central Line station is this stunning four double bedroom detached property.
Beautifully presented with modern lounge/diner, kitchen/breakfast room, utility room, study, cloakroom, family bathroom, southerly aspect garden.
4bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 25 01/02/2013 18:09
26
chigwell | 020 8281 0123 | [email protected] | www.lawlors.co.uk
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hainault road, chigwell
£399,995 sole agency EPC - E
This Grade II Listed three bedroom semi-detached cottage has an abundance of charm with fabulous views.
lounge, sitting room, kitchen/dining room, bathroom, guest cloakroom, master bedroom with en suite, 100ft garden, off-street parking.
3bedrooms
The Bowls, chigwell
£484,995 sole agency EPC - C
Benefiting from stunning views is this well presented three bedroom third floor apartment with a lift.
spacious lounge with a balcony, dining room, fitted kitchen, guest cloakroom, bathroom and a garage en-bloc. offered chain free.
3bedrooms
Murtwell Drive, chigwell
£434,995 sole agency EPC - D
Offered chain free, this three bedroom semi-detached house has potential to develop, subject to planning permission.
lounge/second reception/dining room being open-plan, fitted kitchen, further reception room, downstairs shower room and family bathroom.
3bedrooms
lyndhurst rise, chigwell
£649,995 sole agency EPC - D
A five bedroom semi-detached property.
Two reception rooms, conservatory, kitchen/breakfast room, downstairs shower room, family bathroom, garage, an approximate 143ft rear garden and off-street parking.
5bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 26 01/02/2013 18:10
chigwell | 020 8281 0123 | [email protected] | www.lawlors.co.uk
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27
grovewood Place, woodford green
£539,995 sole agency EPC - D
This attractive four bedroom detached family residence is situated within a cul-de-sac and is offered chain free.
Two reception rooms, fitted kitchen, guest cloakroom, en suite shower room, family bathroom, garden, integral garage and off-street parking.
4bedrooms
ludham close, oakwood gate
£344,995 sole agency EPC - C
Located within this popular development is this well presented three bedroom end of terrace house.
lounge, dining room, kitchen, guest cloakroom, family bathroom, an approximate 50ft landscaped garden and two allocated parking spaces.
3bedrooms
Dickens rise, chigwell
£567,500 sole agency EPC - D
A beautifully presented three double bedroom semi-detached family home which has been well maintained.
living room, fitted kitchen which is open-plan to the dining room, guest cloakroom, family bathroom and a detached garage.
3bedrooms
orchard way, chigwell
£399,995 EPC - C
An extended three bedroom end of terrace house. Planning is approved for a first floor rear and side extension.
spacious kitchen/breakfast room, lounge, study, dining room, guest cloakroom, en suite, family bathroom.
3bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 27 01/02/2013 18:10
28
chigwell | 020 8281 0123 | [email protected] | www.lawlors.co.uk
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courtland Drive, chigwell
£994,995 sole agency
Situated within this sought-after location is this four/five bedroom detached house.
The property has excellent potential to develop into a larger family home, subject to planning permission, being on a substantial plot. currently the property is in need of modernisation with an 82ft rear garden and offered chain free.
EPC - F
5bedrooms
high road, chigwell
£989,898 sole agency
An extended Georgian Grade II Listed five bedroom cottage, built circa 1712, ideally situated close to Chigwell’s Central Line station.
This unique property is full of character and quirkiness boasting many original features including a basement and sash windows. arranged over three levels the benefits include a large entrance hallway, four reception rooms, kitchen/breakfast room, utility room and three bathrooms. The exterior offers a secluded southerly aspect rear garden and an outbuilding which is currently used as an office.
EPC - F
5bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 28 01/02/2013 18:10
chigwell | 020 8281 0123 | [email protected] | www.lawlors.co.uk
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29
lee grove, chigwell
£874,995
Situated within a sought-after cul-de-sac is this immaculately presented three double bedroom family house being close to Chigwell’s Central Line station.
The accommodation offers a lounge/dining room, study/family room, a spacious fitted kitchen/breakfast room, utility room, guest cloakroom, en suite shower room and a family bathroom. There is a secluded 100ft southerly aspect rear garden and a detached garage which is heated and currently being used as a gym.
EPC - D
3bedrooms
stradbroke Park, Tomswood road, chigwell
£999,995 sole agency
Set within a popular gated development is this substantial five bedroom detached family residence.
The property benefits include a lounge, family room, dining room, study, kitchen/breakfast room, utility room, guest cloakroom, en suite bathroom to the master bedroom and a family bathroom, The exterior offers a secluded rear garden being of a southerly aspect, an attached garage as well as off-street parking to the front.
EPC - E
5bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 29 01/02/2013 18:11
Should you help your children buy a home? New research by the Joseph Rowntree Foundation says afurther 1.5 million people aged 18-30 will be forced intorenting in the next eight years. The number who can’t affordto leave their parents’ home is expected to rise by half amillion to 3.7 million over the same period.
It makes grim reading for both generations and it is littlewonder that many parents feel compelled to help, but theyneed to think carefully before going ahead.
Everyone’s circumstances will differ but, as a general rule,parents should avoid dipping into their retirement funds tohelp their children. A lot of things can go wrong. If you arehanding over money, even as a loan, you should be ableto stand losing it if the worst comes to the worst.
You should also be certain that you are helping for the rightreasons. If your children are financially responsible and canafford to repay a mortgage but just can’t raise a depositthen it may make good sense to help them.
However, if they haven’t been sensible with money then youmay need to make some checks.
For example, if your children can’t get a mortgage then youneed to find out why. Get them to check their credit ratingand show it to you. Ask to see pay cheques and bankaccounts if necessary. This may seem severe but there’s alot at stake. Think of it as tough love.
After all, if they’re struggling financially already, giving themthe responsibility of a mortgage they can’t afford will onlyadd to their problems. It may be that helping them to payoff credit card debt may be more of a priority.
Once you decide to go ahead, there are various ways youcan help. Most parents do so by making a contributiontowards the deposit for a mortgage.
You could simply give them the money, but if you want it tobe repaid at some point in the future, you should draw upa written agreement so everyone knows where they stand.This is important because memories get blurred over time.
The agreement should include details of the repaymentschedule, preferably with a ‘promissory note’ so it’s aproper formal arrangement. You may also want to draw upa deed of trust outlining how much you have contributedto the purchase so you can get your money back whenyour child sells the property in the future.
If you are buying a home and renting it back to yourchildren, make sure you can meet the repayments if theycan’t. Otherwise, you may have to sell at a loss. If you don’thave enough money to help, you could borrow moneyusing your own home as security, but this carriesconsiderable risks as you could lose your home if youcannot meet the repayments.
You could consider a guarantor mortgage. This wouldenable your income to be taken into account whenassessing your child’s mortgage. However, you would beliable for the repayments if your child defaulted. The samewould apply to joint mortgages.
It’s only natural that parents should wish to help but theymust do so for the right reasons and in the rightcircumstances. If you get it right it could help your childrenbuild a brighter future; if you get it wrong, it could lead tofinancial hardship and even family splits in years to come.
For further information contact:
Peter Westbrook Residential Property Partner01279 638819 [email protected]
Loughton 020 8508 2111 | Hertford 01992 554881
Harlow 01279 638888 | Ware 01920 460531
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Lawlors-Inhouse-Text-FebMar13.indd 30 01/02/2013 18:11
Should you help your children buy a home? New research by the Joseph Rowntree Foundation says afurther 1.5 million people aged 18-30 will be forced intorenting in the next eight years. The number who can’t affordto leave their parents’ home is expected to rise by half amillion to 3.7 million over the same period.
It makes grim reading for both generations and it is littlewonder that many parents feel compelled to help, but theyneed to think carefully before going ahead.
Everyone’s circumstances will differ but, as a general rule,parents should avoid dipping into their retirement funds tohelp their children. A lot of things can go wrong. If you arehanding over money, even as a loan, you should be ableto stand losing it if the worst comes to the worst.
You should also be certain that you are helping for the rightreasons. If your children are financially responsible and canafford to repay a mortgage but just can’t raise a depositthen it may make good sense to help them.
However, if they haven’t been sensible with money then youmay need to make some checks.
For example, if your children can’t get a mortgage then youneed to find out why. Get them to check their credit ratingand show it to you. Ask to see pay cheques and bankaccounts if necessary. This may seem severe but there’s alot at stake. Think of it as tough love.
After all, if they’re struggling financially already, giving themthe responsibility of a mortgage they can’t afford will onlyadd to their problems. It may be that helping them to payoff credit card debt may be more of a priority.
Once you decide to go ahead, there are various ways youcan help. Most parents do so by making a contributiontowards the deposit for a mortgage.
You could simply give them the money, but if you want it tobe repaid at some point in the future, you should draw upa written agreement so everyone knows where they stand.This is important because memories get blurred over time.
The agreement should include details of the repaymentschedule, preferably with a ‘promissory note’ so it’s aproper formal arrangement. You may also want to draw upa deed of trust outlining how much you have contributedto the purchase so you can get your money back whenyour child sells the property in the future.
If you are buying a home and renting it back to yourchildren, make sure you can meet the repayments if theycan’t. Otherwise, you may have to sell at a loss. If you don’thave enough money to help, you could borrow moneyusing your own home as security, but this carriesconsiderable risks as you could lose your home if youcannot meet the repayments.
You could consider a guarantor mortgage. This wouldenable your income to be taken into account whenassessing your child’s mortgage. However, you would beliable for the repayments if your child defaulted. The samewould apply to joint mortgages.
It’s only natural that parents should wish to help but theymust do so for the right reasons and in the rightcircumstances. If you get it right it could help your childrenbuild a brighter future; if you get it wrong, it could lead tofinancial hardship and even family splits in years to come.
For further information contact:
Peter Westbrook Residential Property Partner01279 638819 [email protected]
Loughton 020 8508 2111 | Hertford 01992 554881
Harlow 01279 638888 | Ware 01920 460531
www.attwatersjamesonhill.co.uk
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AJH IN HOUSE AD:Layout 1 25/01/2013 14:54 Page 1
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SPOTLIGHT ON REPTON PARK...
The rich architectural heritage of Repton
Park is perhaps nowhere more evident than
in the fi ne Victorian facades of its carefully
restored apartment buildings. The entire
development is an imaginative blend of new
and sympathetically designed houses and
apartments, offering an exceptional mix of
features including steep gables, gothic turrets,
deep bays and wide balconies. There are
many notable features that distinguish these
impressive homes, especially leafy courtyards
and acres of rolling parklands.
An unrivalled location, set within 235 acres of beautiful wooded
parkland and offering spectacular panoramic views across to the City
of London and beyond. Situated off the formidable Manor Road, with
easy access to Chigwell and Woodford stations, makes this the perfect
location where leisurely seclusion comes with rapid access to the city.
Lawlors pride themselves on being able to offer our Repton Park
properties with a dedicated web department including an exclusive
presence within our INHOUSE magazine.
Call us for your free valuation as we
are the dedicated experts within
Repton Park and can assure you
of our close attention at all times.
CHIGWELL | 020 8281 0123 | [email protected] | WWW.LAWLORS.CO.UK
CALL US NOW
FOR A FREE
VALUATION
WITH NO
OBLIGATION
Lawlors-Inhouse-Text-FebMar13.indd 32 04/02/2013 12:25
33
Gainsborough House, Repton Park Woodford Green
£1,150,000 sole aGency EPC - C
Set within this prestigious gated development is this attractive five bedroom semi-detached house with high ceilings.
lounge, dining room, fitted kitchen/breakfast room, utility room, guest cloakroom, three bathrooms and a detached double garage.
5bedrooms
Regents Drive, Repton Park Woodford Green
£829,995 sole aGency EPC - C
This immaculate five double bedroom family residence is set within this fabulous gated development.
open-plan lounge/dining room, Miele kitchen/breakfast room, study, utility room, three bathrooms, garden and parking for two vehicles.
5bedrooms
Brandesbury square, Repton Park Woodford Green
£799,995 sole aGency EPC - C
A beautifully presented four bedroom townhouse with views over the communal grounds.
lounge, kitchen/diner, utility room, guest cloakroom, two en suites, family bathroom, southerly aspect garden, off-road parking, integral garage.
4bedrooms
Kensington House, Repton Park Woodford Green
£474,995 sole aGency EPC - C
Offered with no on-going chain is this luxurious ground floor two bedroom apartment.
Kitchen/breakfast room, lounge/diner, two double bedrooms with en suite to master, bathroom, patio garden, two allocated parking spaces.
2bedrooms
cHiGWell | 020 8281 0123 | [email protected] | WWW.laWloRs.co.uK
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
Lawlors-Inhouse-Text-FebMar13.indd 33 01/02/2013 18:12
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The Manor, Repton Park
£724,995 EPC - B
This spectacular two bedroom duplex penthouse sits behind its own private gates and is arranged over two floors.
Impressive hall, open-plan lounge/dining room/kitchen, two bathrooms, dressing room, under-floor heating, two allocated parking spaces.
2bedrooms
Regents Drive, Repton Park
£759,995 sole agency EPC - C
This delightful four bedroom townhouse, offered chain free, has stunning views over the communal grounds.
Two reception rooms, kitchen/breakfast room, utility room, guest cloakroom, three bathrooms, garden, off-street parking, integral garage.
4bedrooms
Tavistock House, Repton Park
£387,500 sole agency EPC - C
Set within the scenic grounds of this popular gated development is this two bedroom first floor apartment.
lounge/dining room, fitted kitchen, guest cloakroom, Jack and Jill bathroom and one allocated parking space, offered chain free.
2bedrooms
arlington House, Repton Park
£624,995 sole agency EPC - C
A spacious two bedroom ground floor apartment,behind private gates with a secluded communal garden.
large lounge/diner, fitted kitchen/breakfast room, two bathrooms, dressing area, guest cloakroom and one allocated parking space
2bedrooms
cHIgwell | 020 8281 0123 | [email protected] | www.lawloRs.co.uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
Lawlors-Inhouse-Text-FebMar13.indd 34 01/02/2013 18:12
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Hazel Lane, The Avenue, Repton Park
£569,995 soLe Agency EPC - C
A beautifully maintained three bedroom semi-detached townhouse with balcony overlooking communal grounds.
Fitted ktchen/diner, utility room, guest cloakroom, two reception rooms, two bathrooms and double length integral garage.
3bedrooms
Amber Lane, The Avenue, Repton Park
£599,995 soLe Agency EPC - C
An exceptional four bedroom detached house.
Lounge, dining room, kitchen/breakfast room with utility area, study, guest cloakroom, en suite shower room, bathroom, off-street parking, double garage.
4bedrooms
Hazel Lane, The Avenue, Repton Park
£499,995 soLe Agency EPC - C
Offered chain free is this well presented three double bedroom semi-detached house with Juliet balcony.
Living room, a recently fitted kitchen, utility room, dining area, family room/conservatory, guest cloakroom, two bathrooms, allocated parking.
3bedrooms
Douglas close, The Avenue, Repton Park
£749,995 soLe Agency EPC - C
Arranged over three floors is this well presented four bedroom detached house, offered chain free.
Three reception rooms, kitchen/dining room, utility room, three bathrooms, off-road parking, detached garage being used as a gym.
4bedrooms
cHigweLL | 020 8281 0123 | [email protected] | www.LAwLoRs.co.uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
Lawlors-Inhouse-Text-FebMar13.indd 35 01/02/2013 18:12
SPOTLIGHT ON LOUGHTON SALES...
A winning combination! As our Loughton offi ce is
the hub of the Lawlors organisation the pressure
is always on to maintain our high standards.
Lisa Martin, Manager over many years states,
“…being in the hot seat brings us advantages
as there is always a wealth, knowledge and
background to help us achieve our goal of
offering a superb service.”
Loughton has battled though this last recession extremely well and
although trading has been extremely diffi cult at times Loughton is still
the number one destination for a great number of buyers.
We are pleased to be able to offer a really comprehensive range of
properties from two bedroom apartments all the way up to substantial
family homes because of great accessibility to the city, Loughton is a
premier destination.
We have an excellent track record over many years of trading to
support our valuations and advice and we strongly believe 2013
will be an even bigger record breaking year for our team.
We look forward to taking your calls
throughout the year.
MATTHEW SUTTONSenior Negotiator
GEORGE CHAPELLNegotiator
LOUGHTON | 020 8502 5588 | [email protected] | WWW.LAWLORS.CO.UK
LISA MARTINManager
CALL US NOW
FOR A FREE
VALUATION
WITH NO
OBLIGATION
Lawlors-Inhouse-Text-FebMar13.indd 36 01/02/2013 18:12
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LOUGHTON | 020 8502 5588 | [email protected] | www.LawLOrs.cO.Uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
stradbroke Grove, Buckhurst Hill
£850,000
Recently refurbished and extended to the highest of standards is this four bedroom detached property.
The property is ideally located for Buckhurst Hill central Line station and the popular Queens road. The property offers: master bedroom with en suite, three reception rooms and open-plan morning/kitchen room with downstairs shower room. externally the property offers plenty of off-street parking, garage and mature rear garden.
EPC-D
4bedrooms
Fairmeads, Loughton
£299,995 sOLe aGeNcy
This is an elegant three bedroom end-of-terrace house.
The accommodation comprising: entrance hall, guest cloakroom, kitchen, reception and conservatory, three bedrooms and family bathroom. The exterior offers gardens to the front and rear with ample parking and single garage for one vehicle.
3bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 37 01/02/2013 18:13
High Street, Epping
£775,000 SolE agEncy
This charming 16th Century Grade II Listed residence offers many original features including open fireplaces and exposed brick work and beams.
a bespoke fitted kitchen with under-floor heating, utility room, lounge, two further reception rooms and shower room. With master bedroom, three further bedrooms, family bathroom and separate cloakroom. Professionally landscaped rear gardens and semi-detached garage, which is accessed via a private road offers two secure parking spaces with remote controlled electric doors.
EPC - E
4bedrooms
Fallow Fields, loughton
£449,000 SolE agEncy
This chain free three bedroom semi-detached property boasts spacious living accommodation throughout.
The accommodation comprises; good sized reception room, conservatory, kitchen/breakfast room, guest cloakroom, en suite to the master bedroom and a family bathroom. Whilst externally the property offers: a good sized garage and rear garden offering a blank canvass for gardening enthusiasts.
EPC - D
3bedrooms
38
loUgHTon | 020 8502 5588 | [email protected] | WWW.laWlorS.co.Uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
Lawlors-Inhouse-Text-FebMar13.indd 38 01/02/2013 18:13
LOUGHTON | 020 8502 5588 | [email protected] | www.LawLOrs.cO.Uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
39
st Nicholas Place, Loughton
£387,500 sOLe aGeNcy EPC - D
This is an extremely well presented semi-detached property.
Double glazed sunny conservatory, spacious kitchen/diner, sitting room and cloakroom, three bedrooms, en suite to the master, private garden, secure parking with access via electronic security gates.
3bedrooms
The Broadway, Loughton
£230,000 sOLe aGeNcy EPC - C
This is a chain free spacious first floor maisonette.
Ideally located for Debden High street shopping facilities and Debden central line station with its transport links into London. Offering: good size kitchen, sitting room/dining room, family bathroom and terrace.
4bedrooms
Beaulieu Drive, waltham abbey
£415,000 sOLe aGeNcy EPC - D
This chain free family home is well located in a cul-du-sac position behind private gates.
Three reception rooms, kitchen/dining room, utility room, four bedrooms, en suite plus family bathroom, rear garden, two off-street parking spaces.
4bedrooms
Milliners court, Loughton
£172,500 sOLe aGeNcy EPC - C
This one bedroom penthouse apartment is situated close to Loughton High Street and Central Line station.
The property offers lounge, separate kitchen, spacious bedroom with handy loft storage to the eaves. Two designated private parking spaces.
1bedroom
Lawlors-Inhouse-Text-FebMar13.indd 39 01/02/2013 18:13
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LOUGHTON | 020 8502 5588 | [email protected] | www.LawLOrs.cO.Uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
Brooklyn avenue, Loughton
£550,000 sOLe aGeNcy EPC - E
This detached chalet-style bungalow is located in the heart of Loughton close to Loughton High St. and Central Line station.
The property offers: lounge, open-plan kitchen/diner and conservatory, with en suites to all bedrooms.
3bedrooms
roebuck Heights, Buckhurst Hill
£639,999 sOLe aGeNcy EPC - B
Second floor apartment, set within this prestigious gated development of Roebuck Heights located in Buckhurst Hill.
Impressive entrance hall, a lounge/diner, separate kitchen, en suite to master and east facing balcony, with two allocated parking spaces.
2bedrooms
Greenhill, Buckhurst Hill
£295,000 sOLe aGeNcy EPC - E
This second floor apartment overlooks the communal grounds.
Two double bedrooms, one reception, kitchen and a good size bathroom. recently renovated to an exceptionally high standard including new fitted kitchen, immaculate bathroom and balcony plus a parking space.
2bedrooms
Hillcrest road, Loughton
£875,000 sOLe aGeNcy EPC - E
The property offers stunning views across the surrounding Epping Forest and Loughton area.
This property has two reception rooms, a cellar, garage and driveway for several vehicles. with a rear garden of 130ft approximately.
4bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 40 01/02/2013 18:14
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LOUGHTON | 020 8502 5588 | [email protected] | www.LawLOrs.cO.Uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
ardmore Lane, Buckhurst Hill
£999,999
Offered to the market is this completely refurbished and extended substantial detached family home.
The property has many fine features including; ground floor under-floor heating, three reception areas, contemporary bespoke fitted kitchen/morning room, en suite and dressing room to master bedroom, three further bedrooms, the fourth is a recent addition which includes a stunning en suite and dressing area and further stylish family bathroom, beautiful landscaped garden and a single garage with carriage driveway.
EPC - D
4bedrooms
rosebarn cottage, Fiddlers Hamlet
£975,000 sOLe aGeNcy
An exceptionally well presented four bedroom detached character barn situated in this semi-rural location.
The property offers spacious living accommodation including: charming reception hall bespoke fitted kitchen/breakfast room, lounge, dining room. stunning vaulted master bedroom with en suite, with three further bedrooms and luxury family bathroom. externally the property also boasts carriage driveway and secured entry via electric gates, carport with attached workshop and extensive landscaped rear gardens.
EPC - E
4bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 41 01/02/2013 18:14
Roebuck Lane, Buckhurst Hill
£575,000 soLe agency EPC - C
This chain free recently built three bedroom detached chalet-style bungalow has been finished to a high standard.
spacious master bedroom with en suite, two further bedrooms, open-plan lounge/kitchen, off-street parking and well-presented rear garden.
3bedrooms
Boleyn court, Buckhurst Hill
£575,000 soLe agency EPC - D
This penthouse apartment is set within the luxury gated development of Boleyn Court that benefits from a concierge.
The property boasts four double bedrooms, two bathrooms, separate guest cloakroom and private parking.
4bedrooms
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LoUgHTon | 020 8502 5588 | [email protected] | www.LawLoRs.co.Uk
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Meadow Road, Loughton
£475,000 soLe agency EPC - D
This semi-detached property is in the Heart of Loughton, a short distance from Loughton High St. and Central Line station.
The property offers: two receptions rooms, three bedrooms and family bathroom, off-street parking and garage en-bloc.
3bedrooms
Deer Park way, waltham abbey
£499,999 EPC - D
This detached five bedroom residence is situated on the popular Meridian Park Development.
Lounge, dining room, integrated kitchen, utility room, cloakroom, two en suite shower rooms, garden, double garage and drive for four vehicles.
5bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 42 01/02/2013 18:14
LOUGHTON | 020 8502 5588 | [email protected] | www.LawLOrs.cO.Uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
43
smiths court, Thornwood
£449,995 sOLe aGeNcy EPC - D
A detached four bedroom family home.
with three receptions, fitted kitchen, cloakroom, four bedrooms, the master with en suite, plus family bathroom. externally the property offers double garage en-bloc, southerly facing rear garden with mature shrubs.
4bedrooms
Traps Hill, Loughton
£649,999 EPC - D
This is a chain free four bedroom linked-detached property.
Two reception rooms, kitchen, cloakroom, four bedrooms, en suite plus family bathroom. externally there is a pretty ‘L’ shaped south-acing garden laid to lawn, spacious drive offers ample off-street parking.
4bedrooms
Thrifts Hall Farm Mews, Theydon Bois
£440,000 OirO sOLe aGeNcy EPC - D
A unique semi-detached barn conversion situated within this secluded development.
sitting room with solid oak flooring, fitted kitchen, two double bedrooms and a family bathroom, pretty garden with off-street parking.
2bedrooms
Ormonde rise, Buckhurst Hill
£925,000 sOLe aGeNcy EPC - C
Exceptionally well-presented detached property.
kitchen, sitting room, dining room, study, conservatory, three bedrooms, en suite to master, family bathroom and separate cloakroom, private garden and spacious pebble driveway.
3bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 43 01/02/2013 18:14
High Road, Loughton
£930,000 soLe agency
A rare opportunity has arisen to acquire this substantial late Victorian semi-detached property located in central Loughton.
Two receptions, large kitchen, utility room, cloakroom, cellar, four bedrooms and en suite to master, a further family bathroom and separate shower room. The annex consists of one bedroom, lounge and kitchenette area and shower room. externally there is an attractive rear garden with off-street parking for three vehicles to the front of the property.
EPC - E
7bedrooms
The Laurels, Theydon garnon
£650,000 soLe agency
Nestled in the fabulous semi-rural location of Fiddlers Hamlet just two miles from Epping town centre and Central Line station.
a two bedroom detached converted barn presented to a very high standard and set within five acres of land, offering: two reception rooms plus family room, kitchen, utility and larder, guest cloakroom, dressing room and en suite to the master bedroom. externally: exclusive parking, landscaped gardens and summer house.
2bedrooms
44
LoUgHTon | 020 8502 5588 | [email protected] | www.LawLoRs.co.Uk
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Lawlors-Inhouse-Text-FebMar13.indd 44 04/02/2013 19:52
LOUGHTON | 020 8502 5588 | [email protected] | www.LawLOrs.cO.Uk
www.facebook.com/lawlorssales www.twitter.com/lawlorssales
45
Brooklyn avenue, Loughton
£440,000 sOLe aGeNcy EPC - D
A chain-free detached bungalow in the heart of Loughton, a stone’s throw from the High St. and Central Line station.
recently refurbished the property offers: two double bedrooms, kitchen morning room and off-street parking.
2bedrooms
aragon Lodge, Buckhurst Hill
£310,000 OirO sOLe aGeNcy EPC - D
A chain-free second floor apartment within a gated area with tennis courts and landscaped communal grounds.
a spacious lounge/diner, modern fully fitted kitchen, two bedrooms with en suite and family bathroom, allocated parking and intercom system.
2bedrooms
scotland road, Buckhurst Hill
£715,000 EPC - D
An immaculate four bedroom detached residence.
with cloakroom, large living room/dining area, modern kitchen with built-in wine cooler and fridge/freezer, four good size bedrooms, en suite and modern family bathroom.
4bedrooms
Hill Hall, Theydon Mount
£799,000 EPC - E
This three bedroom duplex apartment is set within Hill Hall, an historic Grade I Listed Elizabethan mansion.
Floor to ceiling sash windows, stone fireplace, newly fitted kitchen, three bedrooms, newly installed wet room and main luxury bathroom.
3bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 45 01/02/2013 18:15
Thrifts Hall Farm Mews, Theydon Bois
£675,000 SOLE AGENCY EPC - C
This stunning brick-built detached barn is ideally located for Theydon Bois High Street and station.
Kitchen, reception room, three bedrooms, en suite to master, externally the property has two rear gardens, garage and off-street parking.
3bedrooms
46
LOUGHTON | 020 8502 5588 | [email protected] | WWW.LAWLORS.CO.UK
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Englands Lane, Loughton
£289,999 SOLE AGENCY EPC - E
This three bedroom semi-detached property situated in Loughton is being offered chain-free close to the High Road.
Tthe property has three double bedrooms, kitchen/diner, good size lounge and a large rear garden.
3bedrooms
Brook Road, Buckhurst Hill
£649,995 SOLE AGENCY EPC - D
A delightful three bedroom detached property with attached garage in excellent condition throughout.
Lounge, dining room, kitchen, three bedrooms and a family bathroom, a pretty garden and off-street parking for three vehicles.
3bedrooms
Fallow Fields, Loughton
£425,000 SOLE AGENCY EPC - C
A desirable chain-free semi-detached residence set within this secure and sought-after gated development.
Kitchen, lounge/dining room, guest cloakroom, master bedroom with en suite and family bathroom, off-street parking and single garage.
3bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 46 01/02/2013 18:15
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Find out more, come into club, call 0845 129 6783 or visit davidlloyd.co.uk/chigwell*Terms and Conditions apply. Facilities, fees, classes and membership contracts vary by club. Certain activities may incur additional fees.
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Lawlors-Inhouse-Text-FebMar13.indd 47 01/02/2013 18:15
In short this is a liability placed in law upon ‘lay rectors’ to pay the cost of repairing the chancel of the parish church. For those of you who are not regular churchgoers, the chancel is the part of the church over the altar where the service is conducted.
Without wishing to scare you unnecessarily this ancient law allows your local parish church, or rather your local parochial church council (PCC), to demand from you many thousands of pounds if your house has been built on land that was once ‘rectoral glebe.’
Historically when the parish churches were built responsibility for their maintenance was divided between the parishioners and the rector. Whilst the parishioners were liable to maintain the western end of the church, where they sat, the rector was liable to maintain the chancel at the eastern end of the church.
The landowner who originally built and endowed the parish church gave land, known as ‘rectoral glebe’, to help fund the chancel repairs and granted the right to receive tithes (a tenth-part of the product of land or livestock) which were paid as a kind of tax by the parishioners. This was then known as the ‘rectory’.
In the 13th to 15th centuries many such rectories were acquired by monasteries but, upon the dissolution of the monasteries in the reign of Henry VIII, the property of the monasteries was disposed of by the Crown in favour
of both individuals and institutions, such as the Oxford and Cambridge colleges. As a result former church land fell into private hands and these new ‘lay rectors’ also inherited not only the right to receive tithes but also the corresponding chancel repair liability.
The tithes have since been phased out. Unfortunately for landowners, however, the liability to pay towards chancel repairs has not.
It is estimated that chancel repair liability benefits more than half the pre-Reformation churches of the Church of England and the Church of Wales – some 5,200 in all – covering 3.7 million acres of land. There is therefore a very real possibility that, if you are a homeowner, your property may be subject to chancel repair liability.
Until recently, chancel repair liability appeared to have been almost forgotten about. However, the 2001 case of Aston Cantlow -v- Wallbank confirmed the position that chancel repair liability does indeed still exist, notwithstanding the arguments put forward that it contravenes human rights. Mr. and Mrs. Wallbank were given some land in blissful ignorance of the fact that it was subject to chancel repair liability and had to pay a chancel repair bill of over £210,000.
To be fair to the Court, it came to its decision very reluctantly and reiterated the need for legislation to change the law. Small steps have been made towards
Chancel Repair Liability
There are few better examples of how apparently outdated and bizarre laws can continue to affect homeowners across England and Wales than the historic ‘chancel repair’ liability.
Lawlors-Inhouse-Text-FebMar13.indd 48 01/02/2013 18:16
this. It is now up to the PCCs to “register” their right formally to claim chancel repair contributions from landowners on the titles to those properties. If it has not done so by 13th October of this year and the land is subsequently sold, then the buyer may take that property safe in the knowledge that it will not be receiving a chancel repair bill like the poor Mr. and Mrs. Wallbank.
However, this date can be somewhat misleading as those of us who have owned land that is subject to chancel repair liability before 13th October 2013 and who will continue to do so after that date will still be liable for chancel repair payment, even if the PCC do not register their right.
It seems the General Synod’s view is that chancel repair liability is an asset of the PCC and, as a charity, the PCC must act in its best interests by taking reasonable steps to investigate, register and enforce the liability. Indeed members of PCCs have been warned that, if they fail to do so, they may be in breach of their duties and could be held personally liable. So don’t expect your local PCC to be too sympathetic to your pleas of poverty if you receive a demand for payment!
As with most risks, it is possible to obtain insurance against the possibility of being landed with a hefty chancel repair bill. The Aston Cantlow case has been
wonderful for insurers as it has spawned a £20 million industry for insurance companies. Whilst we all loathe paying money to insurers, the reality is that, until the law changes and chancel repair liability is repealed, insurance is the obvious solution to the problem.
At Foskett Marr Gadsby & Head LLP we specialise in dealing with all manner of property-related issues. Whatever your property concerns or objectives may be, we shall be delighted to meet with you to discuss these. We have offices in Epping and Loughton (details below) but, if you cannot get to our office, we shall happily visit you at your home.
John M E JonesPartner
Foskett Marr Gadsby & Head LLP181 High Street, Epping, Essex CM16 4BQ (Offices above the Barclays Bank)
106-108 High Road, Loughton, Essex IG10 4HN(Offices above the Nationwide Building Society)
Whichever office you would like to use please call 01992 578 642.
Resolving your legal problemsOur legal services include
ConveyancingLeases
Wills and TrustsMatrimonial
EmploymentCommercial
DisputesLitigation
For further details please contact: John Worby John Jones181 High Street, Epping 106-108 High Road, LoughtonEssex CM16 4BQ Essex IG10 4HN
[email protected] [email protected]
01992 578 642
become the innocent victim of fraud and suffer afinancial loss you may be compensated.
Make sure your contact details are up-to-date
Did you know that if your land is registered at the LandRegistry you can provide up to three different contactaddresses, including an email address and an addressabroad? When the Land Registry receives an applicationregarding your property it will write to you about it. So ifyour details are not up-to-date you might not receivetheir letter or email.
You can download a form from the Land Registry websiteto add an address or update your existing contact details.
Please note that if the Land Registry receives anapplication to change your contact details it will send aletter to both your old and new addresses to check thatthe application is genuine.
Complete and lodge Land Registry Form RQ
For owners who do not live at the registered property anadditional security measure has recently been devised.You or your solicitor can enter a restriction, free ofcharge, on your title. Again this is a form that can bedownloaded from the Land Registry website.
If you are not eligible for this service, perhaps becauseyou are an owner-occupier, you can neverthelessregister a similar restriction on your title if you believeyou may be at risk. This is known as a Form LL
restriction and ensures that the Land Registry will notregister a sale or mortgage unless a solicitor orconveyancer has certified that the person who signedthe deed is a registered owner. This would certainlydeter a fraudster from trying to forge your signature orcopy your identity. There is a fee of £50 payable to theLand Registry for this service.
Finally, without wishing to sound like that chap offCrimewatch, please don’t lose too much sleep worryingabout these matters. Instead I suggest you discuss yourfears with one of the solicitors in our PropertyDepartment at Foskett Marr Gadsby & Head LLP. We haveoffices in Epping and Loughton and we are available tohelp you take the necessary steps to protect your home.
John M E Jones Partner
Foskett Marr Gadsby & Head LLPFoskett Marr Gadbsy & Head LLP
106 – 108 High Road, Loughton, Essex IG10 4HN(Offices above the Nationwide Building Society)
Tel: 01992 578642
Foskett Marr Gadbsy & Head LLP181 High Street, Epping, Essex CM16 4BQ
(Offices above Barclays Bank)Tel: 01992 578642
Lawlors Inhouse Autumn/Winter 2012 Edition 21/09/2012 19:27 Page 17
Lawlors-Inhouse-Text-FebMar13.indd 49 01/02/2013 18:17
SPOTLIGHT ON LOUGHTON LETTINGS...
Adam Capon, Manager “…our lettings
department has never been busier…” We have
constantly strived to ensure that the standards of
our service are as high as possible and part of
our success over the last year in particular has
been due to the fact that many of our landlords
have experienced ‘bucket-shop lettings services’
and now realised one false move in lettings
can be extremely costly. We are defi nitely not
the cheapest letting agent in the area but we
certainly are conscientious and competitive but
we are not prepared to compromise on our
standards.
As more and more people switch between lettings and sales the
relationship between our sales negotiators and our lettings negotiators
has to be fully integrated. Often a landlord will consider a short term let
with an eye to selling or marketing in the future and we are experts at
dovetailing all aspects of the sales and letting procedure to make sure
this happens smoothly.
Demand for rental properties is extremely high
and we never seem to be able to keep up
with the demand. Hopefully we will see
a further fl ow of quality properties
though our doors as people realise
that service is everything.
ADAM CAPONManager
ANNABEL KABELNegotiator
JAZZINA LEONARDNegotiator
LOUGHTON | 020 8502 3388 | [email protected] | WWW.LAWLORS.CO.UK
CALL US NOW
FOR A FREE
VALUATION
WITH NO
OBLIGATION
Lawlors-Inhouse-Text-FebMar13.indd 50 01/02/2013 18:17
LOUGHTON | 020 8502 3388 | [email protected] | www.LawLOrS.cO.Uk
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51
Maple Gate, Loughton
£815 PcM EPC - C
We offer to the market this one bedroom first floor apartment in Loughton, close to amenities and links to the City.
This apartment offers a double bedroom with fitted wardrobes, ‘L’ shaped lounge and off-street parking.
1bedroom
Benrek close, off Tomswood Hill
£950 PcM EPC - B
A newly built ground floor apartment complete with own courtyard situated off Tomswood Hill.
One bedroom, lounge/diner, fitted kitchen, bathroom, walk-in dressing room/office and one allocated parking space.
1bedroom
retreat way, chigwell
£1,100 PcM EPC - D
This delightful two double bedroom apartment is offered on an unfurnished basis.
Modern throughout with fitted kitchen and appliances, lounge/diner, master bedroom with ensuite, further double and allocated parking.
2bedrooms
Benrek close, off Tomswood Hill
£950 PcM EPC - B
A newly built penthouse apartment situated off Tomswood Hill with juliette balcony.
One bedroom, lounge/diner, fitted kitchen, bathroom, walk-in dressing room/office and one allocated parking space.
1bedroom
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The Heights, Loughton
£1,500 PCM EPC - D
A fantastic, newly refurbished top floor apartment in The Heights, Loughton.
A very spacious lounge, great size kitchen and three double bedrooms one with en suite, balcony with panoramic views for miles.
3bedrooms
Elmbridge Hall, Ongar
£1,399 PCM
We are pleased to offer this wonderful two/three bedroom split level apartment in Elmbridge Hall, Fyfield.
Two/three double bedrooms, one with fitted wardrobes and cupboard space, very large lounge/dining area and a great size kitchen.
2bedrooms
52
LOUGHTON | 020 8502 3388 | [email protected] | www.LAwLOrS.CO.Uk
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Hycliffe Gardens, Chigwell
£1,450 PCM EPC - D
Recently refurbished this semi-detached house is close to Chigwell’s Central Line station and shops at Brook Parade.
Available now, benefiting from a lounge/diner, fitted kitchen, conservatory, family bathroom and an approximate 72ft southerly aspect rear garden.
3bedrooms
Oakwood Hill, Loughton
£1,275 PCM EPC - E
A wonderful two bedroom bungalow in Loughton close to Loughton High Street and Central Line station.
Offered unfurnished with off-street parking, two double bedrooms, kitchen with appliances, gas central heating and private rear garden.
2bedrooms
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53
clayside, chigwell
£1,500 PcM EPC - D
This is a newly redecorated property, at an end of terrace and situated in a very quiet cul-de-sac.
Three good size double bedrooms, two bathrooms, brand new double glazing throughout, a lovely garden and off-street parking for two cars.
3bedrooms
Brooklyn avenue, Loughton
£1,500 PcM EPC - D
A unique detached bungalow in the heart of Loughton, just a stones throw from the High Street and transport links.
This immaculate property offers two double bedrooms, a stunning newly fitted kitchen, impressive bathroom, lovely garden and off-street parking.
2bedrooms
Barton close, chigwell
£1,650 PcM EPC - D
A unique two bedroom apartment situated on the popular Courtlands Estate of Chigwell.
This beautiful development known as Barton Friars is set within a private setting in peaceful surrounds.
2bedrooms
York Hill, Loughton
£1,500 PcM EPC - E
A fantastic semi-detached property situated within the sought after catchment area for Staples Primary School.
This property has been modernised and re structured to allow the property to have two reception rooms and a spacious kitchen diner.
2bedrooms
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LOUGHTON | 020 8502 3388 | [email protected] | www.LawLOrS.cO.Uk
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river road, Buckhurst Hill
£1,675 PcM EPC - C
A chic three bedroom mid-terrace house in Buckhurst Hill.
This property has many benefits such as a large through lounge leading on to bi-folding doors to the rear garden, modern kitchen, two double bedroom and a further single bedroom.
3bedrooms
The chase, Loughton
£1,750 PcM EPC - C
A wonderful semi-detached house on the prestigious development of Great Woodcote Park.
This property is also offered unfurnished and is available February, call now to avoid disappointment!
3bedrooms
Deer Park way, waltham abbey
£1,950 PcM EPC - D
An impressive five bedroom detached house.
accommodation comprises of a large lounge, dining room, integrated kitchen, utility room, ground floor cloakroom, two en suite shower rooms, rear garden, double garage and drive for four vehicles.
5bedrooms
roding Gardens, Loughton
£1,899 PcM EPC - C
A spacious four/five bedroom semi-detached property in the popular Hanbury Park development Loughton.
The property offers you four good size bedrooms and a single/study, three bathrooms, two reception rooms and kitchen with appliances.
4bedrooms
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Chigwell Rise, Chigwell
£1,950 PCM EPC - F
This four bedroom detached property, close to Chigwell High Road’s amenities is offered on an unfurnished basis.
Benefitting from three reception rooms, fitted kitchen with appliances, wooden flooring throughout, garden and off-street parking.
4bedrooms
LOUGHTON | 020 8502 3388 | [email protected] | www.LawLORS.CO.Uk
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55
Brook Road, Buckhurst Hill
£1,999 PCM EPC - E
This property is a very eye catching three bedroom detached house.
This property benefits from a newly fitted kitchen with appliances, two very spacious receptions rooms and a downstairs wC.
3bedrooms
Rowans way, Loughton
£2,699 PCM EPC - E
A delightful, four double bedroom family home.
The property benefits from a modern kitchen, dining room, conservatory and a spacious living room which overlooks a well maintained garden, master bedroom benefits from an en suite and ample storage.
4bedrooms
Park Grange Crescent, Manor Road, Chigwell
£2,199 PCM EPC - C
An exciting top floor duplex penthouse apartment.
The ground floor benefits from a large lounge looking out onto the balcony, a fully fitted kitchen with appliances and master bedroom with en suite bathroom.
3bedrooms
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Rosebury Square, Woodford Green
£2,800 PCM EPC - D
Located in Repton Park is this substantial four bedroom, three bathroom townhouse with integral garage.
A large reception, kitchen/diner, utility room, master and bedroom two with en suites, WC, large garage, off-street parking and onsite gymnasium.
4bedrooms
Manor Hall, Chigwell
£2,750 PCM EPC - C
These splendid two bedroom apartments have been furnished to the highest standard.
Exceptional interiors with bespoke furnishings, bathrooms with integrated TV’s. CCTV throughout the development and intercom for each apartment.
2bedrooms
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LOUGHTON | 020 8502 3388 | [email protected] | WWW.LAWLORS.CO.Uk
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Rosebury Square, Woodford Green
£2,950 PCM EPC - C
A spacious four bedroom townhouse which is beautifully presented throughout.
Arranged over three floor, fitted kitchen, utility room, guest cloakroom, four reception rooms, balcony, en suites to two bedrooms plus a family bathroom.
4bedrooms
Repton Park
£3,249 PCM EPC - C
An exceptionally stunning detached Victorian gatehouse set in its own superb grounds, behind electric gates.
This unique property combines a contemporary interior whilst retaining all its original Victorian character with charm, features and high ceilings.
3bedrooms
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LOUGHTON | 020 8502 3388 | [email protected] | www.LawLOrS.cO.Uk
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57
High road, chigwell
£3,500 PcM EPC - E
A wonderful cottage in one of Chigwell’s most sought after roads, near the Central Line station and Brook Parade shops.
Majorly refurbished, four good size bedrooms, two bathrooms, split over three floors with off-street parking, garage and a private rear garden.
4bedrooms
Manor Hall, chigwell
£3,750 PcM EPC - C
These splendid two bed apartments have been furnished to the highest standard. Some with private garden areas.
Exceptional interiors with bespoke furnishings, bathrooms with integrated TV’s. kEFF and BOSE entertainment systems. Some have large terraces.
2bedrooms
church Lane, Loughton
£4,500 PcM EPC - E
A large gated five bedroom family home in Loughton.
Large reception room with French doors to the garden, outdoor swimming pool. Two reception rooms, large kitchen/diner, five double bedrooms with three en suites, large family bathroom, four off-street parking spaces.
5bedrooms
alderton Hill, Loughton
£4,500 PcM EPC - E
A newly refurbished detached property in Loughton.
Five double bedrooms, three receptions, kitchen with fitted appliances, utility room, garage and off-street parking. another benefit to the property is an outdoor heated swimming pool and changing facilities
5bedrooms
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SPOTLIGHT ON WOODFORD LETTINGS...
Headed by Gareth Jones – our new lettings
department integrated within our Woodford
Green offi ce is a direct result of the success of
our branch at Loughton.
Keen to expand to fresh frontiers our Woodford Green team are
focusing exclusively on properties in that area where the Lawlors brand
works so well.
We have been delighted by the swift increase of instructions we have
received as soon as we opened the doors to the lettings side of the
business and feel very comfortable that we will be a major force for
lettings as well as sales in the very near future.
Our team are very keen to impress as we all have a great affi nity for
Woodford Green.
Gareth Jones, Manager says “We have an
excellent database of quality tenants waiting
for property in Woodford, South Woodford,
Chingford and Wanstead.”
DANIEL FROSTNegotiator
GARETH JONESManager
WOODFORD | 020 8506 9109 | [email protected] | WWW.LAWLORS.CO.UK
CALL US NOW
FOR A FREE
VALUATION
WITH NO
OBLIGATION
Lawlors-Inhouse-Text-FebMar13.indd 58 01/02/2013 18:19
WOODFORD | 020 8506 9109 | [email protected] | WWW.LaWLORS.cO.uk
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59
Buckhurst Way, Buckhurst Hill
£1,250 PcM EPC - B
A superb two bedroom top floor apartment in Buckhurst Hill.
Two double bedrooms, modern decor throughout, kitchen with integrated appliances, en suite to master bedroom and an allocated parking space. call now to avoid disappointment.
2bedrooms
Love Lane, Woodford Green
£1,250 PcM EPC - D
Recently refurbished to a high standard, this three bedroom home is ideally located for West Hatch School and local transport.
Through lounge, new kitchen, garden and off-street parking.
3bedrooms
chequers, Buckhurst Hill
£1,175 PcM EPC - C
A modern, spacious two bedroom first floor apartment in a secluded development set back from the Epping New Road.
Security entryphone and two allocated parking bays. approximate 17ft lounge, modern kitchen and bathroom.
2bedrooms
Fairfield Road, Woodford Green
£800 PcM EPC - E
A tastefully decorated one bedroom apartment, available now (furnished or unfurnished).
Iintegrated kitchen with appliances, double bedroom, three piece bathroom suite with power shower and street parking.
1bedrooms
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WOODFORD | 020 8506 9109 | [email protected] | WWW.LaWLORS.cO.uk
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Weale Road, London
£1,350 PcM EPC - D
A well decorated two bedroom family home.
This property is ideally located for chingford over ground station and benefits from two double bedrooms, a modern family bathroom, modern kitchen/diner and large rear garden.
2bedrooms
Imperial heights, London
£1,400 PcM EPC - B
A modern, furnished two bedroom apartment in Queen Mary Gate.
Two double bedrooms, with en suite to master, open-plan living room, with access to your own private balcony and parking is available.
2bedrooms
Woodford New Road, London
£1,500 PcM EPC - C
A very well maintained three bedroom family home, available now, unfurnished.
a spacious kitchen/diner, separate reception room, three bedrooms, family bathroom, off-street parking and a garden.
3bedrooms
kingswood Heights, London
£1,500 PcM EPC - B
A bright, modern two bedroom apartment, available immediately.
Two bathrooms, a spacious open-plan living room and kitchen, balcony and parking.
2bedrooms
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61
Prospect Road, Woodford Green
£1,550 PcM EPC - C
This cottage style property is close to the tube station and offers off-street parking.
Lounge, dining room, spacious fitted kitchen, master bedroom, further double, third bedroom/study and a secluded garden with outside storage.
3bedrooms
Oakhurst Gardens, London
£1,900 PcM EPC - E
A detached four bedrooms family home, located within easy access to Forest School.
Four bedrooms, two reception rooms, family bathroom, downstairs Wc, kitchen, garage and gardens, with parking spaces for up to eight cars.
4bedrooms
Grovewood, Woodford Green
£2,200 PcM EPC - C
New to the market is this unfurnished four bedroom detached property, available now.
Two reception rooms, conservatory, modern kitchen/diner with separate utility room, downstairs Wc, two first floor family bathrooms.
4bedrooms
Newlands Road, Woodford Green
£1,950 PcM EPC - E
A recently refurbished, large family home, available immediately.
Five bedrooms, two reception rooms, modern kitchen, two bathrooms, off-street parking and a garden.
5bedrooms
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WOODFORD | 020 8506 9109 | [email protected] | WWW.LaWLORS.cO.uk
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Sewardstone Road, London
£2,950 PcM EPC - E
An executive style family home with four bedrooms, available now.
Four bedrooms, with en suite to master, family bathroom, two reception rooms, conservatory, ample parking and garden.
4bedrooms
Worcester crescent, Woodford Green
£3,000 PcM EPC - E
A large detached family home, offering plenty of living space and available now.
Five bedrooms, four of which have en suites, family bathroom, three reception rooms, kitchen and utility room, garden and off-street parking.
5bedrooms
Forest Way, Woodford Green
£2,950 PcM EPC - E
A large four bedroom detached house, available now.
Three reception rooms, conservatory, kitchen, downstairs Wc, three double bedrooms, single bedroom, en suite to master bedroom, family bathroom with separate shower and a large rear garden.
4bedrooms
Whitehall Road Woodford Green
£2,500 PcM EPC - E
A large five bedroom semi-detached house, over four floors with high ceilings and many period features.
Two large reception rooms, kitchen, utility, five double bedrooms, master bedroom with en suite, family bathroom and garage.
5bedrooms
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WOODFORD | 020 8506 9109 | [email protected] | WWW.LaWLORS.cO.uk
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Snaresbrook Road, London
£4,500 PcM
An exquisite five bedroom family home in Snaresbrook. This property is set within a gated community and offers a vast amount of living space.
Set within a few minute’s walk to the central Line station and boasting many benefits such as three reception rooms, five bedrooms all with fitted wardrobes, three bathrooms, kitchen with fitted appliances and a well kept landscape garden.
EPC - D
5bedrooms
Monkhams avenue, Woodford Green
£5,500 PcM
This family home is arranged over three floors and typical of its era with spacious rooms, high ceilings and plenty of original features.
a fabulous entrance hall, sitting room, dining room, bespoke kitchen/breakfast room, orangery and utility room. The master bedroom benefits from a dressing room and en suite. There are five other large bedrooms. This property also benefits from a swimming pool and a well kept garden.
EPC - F
6bedrooms
Lawlors-Inhouse-Text-FebMar13.indd 63 01/02/2013 18:20
We are delighted to offer, in conjunction with renowned local developers Higgins, this stunning development on the High Road in Chigwell. There will be a show apartment available from 27th April and we strongly recommend potential purchasers to contact our offices to discuss this development as we believe these units will be sold prior to the launch of the show apartment.
Ideally located on the High Road, Ashbee Lodge offers an unrivalled location with views to the rear over Chigwell Golf Course and just a short stroll to the Central Line station and shopping facilities of the Local Parade.
The initial impression of Ashbee Lodge is that of a traditional and imposing, private house. Built in the Arts and Crafts style so prevalent in the area, the development features tall chimneys, pitch tiled and dormer roofs and is surrounded by lush, tree fringed gardens.
Built over three storeys, many of the twelve new homes have a private terrace: the penthouses look out across dual aspects, including toward the beautiful Chigwell Golf Course. Spacious layouts are complemented by a first class specification which is assured with all Higgins Developments, which offers individuality and quality in equal measure.
Every apartment has a designated parking bay (the penthouses each have two) within the secure underground car park, which has direct access to the residential floors via both stairs and lifts. The entire development is gated, ensuring the residents’ security and privacy. Further parking spaces available to purchase.
AsHbee Lodge, HigH RoAd, CHigWeLLPRICES FRom £685,000 A luxurious lifestyle in an unrivalled location
CALL LAwLoRS ToDAy on 020 8281 0123 For the earliest opportunity to reserve your slice of the coveted Chigwell way of life.
oPeN dAY
27 APRiL
doN’TMiss iT
Lawlors-Inhouse-Text-FebMar13.indd 64 01/02/2013 18:20
Call lawlors today on 020 8281 0123 For the earliest opportunity to reserve your slice of the coveted Chigwell way of life.
FOR SALEchigwELL | LOughtOn | wOOdFORd | ELitE hOmES
www.lawlors.co.uk