Tag Archives: estate

The Estate Agency Industry Takes Desperate Measures

Several press releases from various corners of the property spectrum this week make for some pretty diverse property industry news. Or maybe it’s not all so unrelated …?

From an overall perspective, two stories – both dated January 14th, stand out: the first being the announcement from the National Association of Estate Agents that December 2010 saw the lowest number of property sales for eight years. Of course, Christmas and the weather conditions had something to do with it, but for every seven properties sold in November, only four changed hands in December.

On the same day a joint report by the Mortgage Advice Bureau and broker Coreco Group stated that home loan approvals in 2010 fell to 1.2 million from 1.3 million in 2009. A drop in mortgages granted of over 7%.

Hardly the most inspiring news to kick off the New Year, so let’s move on to something completely different but, as we’ll see, not completely unrelated.

Tower Hamlets Council has cracked down on illegal for sale and sold boards by writing warning letters to all local property firms. These illegal signs being the numerous boards that are left up long after a property has sold or let or indeed boards that are erected spuriously as nothing other than ‘fly posters’.

And then trade publication Estate Agent Today tells us of a raging war between two rival agents up the road in Bushey, Hertfordshire. Imagine Estate Agents advertising themselves as ‘The Number One local agent’ or such like. Their competitors, Clarets, then successfully complain to the Advertising Standards Authority and so Imagine produce another ad berating Clarets for their approach. Within the ad however, they refer to their adversary as ‘…the most unpleasant little reptile have ever had the misfortune to cross swords with..’ and a ‘…horrible little weasel.’ Nice.

So what do these little stories have to do with the big picture?

With transaction levels now down to 575,000 a year – half those seen in the property heyday of 2006/7, when house sales had been rising for the previous decade – saying the property market has weakened is somewhat of an understatement. This is not good news for the thousands of estate agencies that sprang up in High Streets up and down the country. You know the ones – you see the shopfront and think “I’ll just pop in for a quick Pinot Grigio” only to find it’s not the winebar it looks like at all. When there was a turnover of one home in sixteen being bought and sold every year, there was some justification for putting up all those bijou faux-winebar shopfronts. But now that turnover’s dropped to just one in thirty properties per year, what used to be good-natured competition between agencies is starting to turn into out and out warfare. And with good reason: with more than twelve thousand agencies fighting each other for any of the very few commissions available these days, things have started to get rough.

The combination of low sales versus too many estate agency branches is causing ever more stress amongst the shiny suits who, evidently, are fly posting, publicly squabbling and God knows what else in what for many are survival tactics plain and simple. Desperate measures in desperate times.

Unless the market picks itself back up again, and fast, we’ll be seeing more and more of that kind of story. But could there be an alternative? Very possibly. When record stock levels are priced out of reach of fewer buyers who might not be able to get a mortgage anyway, the old model of multiple offices paying ever-increasing rental charges while charging their customers percentage-related commissions is starting to fail. One alternative has worked for other High Street businesses, from travel agencies to supermarkets, so there’s no reason it shouldn’t work for estate agents. It’s time they took their business online.

And why shouldn’t it work for estate agents? Operating on the internet is a lot less expensive than renting a High Street office that looks more like a winebar from the outside, and that can only benefit both housebuyers and estate agents. They might even pop back into their old office at the end of a busy day for some Chablis and canaps … because – with any luck – it’ll now be a real wine bar.

eMoov.co.country makes it easy for you to sell your house on the internet. You can sell your home quickly and with the benefit of cheap estate agents fees. All properties are displayed on all 10 of the busiest property websites in the country such as Rightmove and Prime Location. Plus as online estate agents, their low cost service reaches millions of people 24/7.

Marketing a House

For the majority of home owners selling a property can be a very stressful and emotional time, especially when the process is made confusing and expensive. However with modern technology and the number of real estate websites and companies growing, advertising a property on the market has become increasingly easy and a number of companies now offer cash quickly for a house.

Traditionally, home owners would hire an estate agent to market their property for them. With their property expertise and knowledge of the market, property owners have entrusted estate agents will selling their home. However estate agents can be costly, and when the fees begin to add up, the value that the home owner receives diminishes.

Many home owners are now finding that selling a home privately saves a significant amount of money and also provides the advantage of a shorter marketing period. There are usually no advertising costs and they can potentially sell their home in a number of weeks thanks to the number of websites and companies that exist for quick private property sales.

Traditionally, marketing a property was very difficult and usually left to professionals. Estate agents were able to advertise their properties in traditional media such as newspapers as well as their offices, however many house sales occurred due to word of mouth as the marketing period could drag out for many months.

Modern technology has thankfully made accessing buyers much easier for home owners who have decided to sell their home. A number of real estate companies exist that are able to offer cash for a house very quickly and the vast majority of these companies will take care of the legal fees that come with selling a home. With the marketing period being cut significantly and the homeowner receiving money quickly it’s no wonder that many home owners are able to sell their home quickly.

If you’re wondering how to sell my house quickly research one of the leading companies that purchase houses for sale.

Want To Buy Your First Home? Read This First!

If you are a first time buyer and are soon to purchase a home than you may well be feeling quite excited about the prospect of seeing properties and making your choice. When looking for your first home, you might find it so exciting that you can think of little else. This is understandable, buying a home is one of the biggest things we ever do in our lives. But it is worthwhile taking a step back at some point in the whole process to consider a few aspects of the viewing process. It is always best to be sensible and cautious when buying any property, and following the ideas put forth in this article should help you to get the most out of the experience.

The first thing you should do is make sure that you view properties as quickly as possible. This may sound obvious, but it is quite easy to miss out because you leave it too long. Make a point to review the property pages and keep in touch with your appointed agents whenever possible. It is not uncommon for a house or flat to come on the market and get snapped up immediately.

If there are two of you involved in the buying process, choose who will be the chief viewer. This means the person who will see any property that comes up and meets your specifications. This chief viewer should ultimately be in a position where he or she can cancel out the properties that are not up to scratch. This leaves the two of you with a shortlist of properties that are definitely worth a second look. If the search turns out to be a long one, then alternate in the role.

When you find the properties that you think meet your requirements, then contact tradesmen and other professionals, as a way of making sure that there are no problems with the buildings. People should not mind if you do this, and it means that you will be able to say that you know the property is right for you and does not have any defects that could make it a real problem once you have moved in.

When viewing a potential home, watch out for new furniture and other fixtures. This sometimes hides the fact that there s real work needed on the place, and if you have that tradesman with you, you should be able to check this out straight away.  And if the property is a little cheaper than those in the area, and a little scruffier, then check if it has been rented in the past. Some landlords don’t give their properties as much love as they should, and you need to know everything you can about the history of the house before you even consider buying.

It’s all to easy to get carried away with the excitement of buying your first home, but try to step back and think carefull about these points. They add a little bit of caution to your search, but they could pay off in the long run.

Brought to you by Letting Agents Manchester

How To Save Your Home From Foreclosure

Lenders are conscious about the financial circumstances and problems that may affect their clients. Lately, thousands of individuals have encountered issues trying to repay their home loan, pressuring them to deal with foreclosure of their homes. For anyone who is looking to avoid foreclosure of your home, you should consider a loan modification.

Folks usually think that their loan providers are interested in removing their properties. This really is far from the truth in the present financial situation. Because of the economy, foreclosed houses usually do not sell fast and they usually have to be sold below the market value. So the lenders usually lose more money if the property goes into foreclosure.

For most folks, the loan modification procedure is not simple. Each lender functions differently, with their own rules and restrictions. Knowing these guidelines will boost your chances of approval.

For starters, acquire your monthly income stubs, tax information and any other financial documents. You’ll be required to write a hardship letter, describing the reason why you fell behind (this could be from a loss of job, illness, sudden death in the family, etc). You must say why a loan modification would help you. Make sure to be totally truthful in your letter. Additionally, you will need to supply a financial worksheet. This is where you must record your monthly income and expenditures. Make sure you include every little thing.

You might want to consider a loan modification service to speed up the process, as they’ll do all of the crucial paperwork for you. Because these experts talk your lender’s language, the odds of approval are better.

Many loan modification services offer free consultations, so I highly recommend you make use of a free consult to decide the best strategy. Stopping foreclosure is doable, providing you take quick action.

Related: ham home loan | secrets how to stop foreclosure

Top Foreclosure FAQs

Whenever people initially get into debt, many people frequently ponder about foreclosure. Foreclosure is really a big problem for people in debt, so it’s reasonable they would have several concerns. You can find many common foreclosure Q and A’s, and this article will talk about 2 of the most popular.

Just what Alternatives Do Individuals Facing Foreclosure Have? – This is often among the most frequent foreclosure inquiries. People would like to know if they can prevent foreclosure, and the way to do it. You’ll find many options for people dealing with bankruptcy. Bankruptcy, debt settlement, and debt consolidation are great options. The key is to find out which alternative is best based on your financial situation.

Bankruptcy is the one alternative that must be considered last, however. Bankruptcy destroys credit scores, which makes getting back on your feet after debt extremely difficult. Debt settlement, however, enables you more overall flexibility on reducing your loans.

What Can I Do to Maintain My House? – This is among the biggest foreclosure q and a’s. To keep your home, you have to take action as soon as you get into debt. Most individuals decide to dismiss debt, simply because it stresses them out. This is certainly one of the most unfortunate choices you could do.

Disregarding your debt won’t make it go away. It simply makes it continue to increase with nothing stopping it. As soon as you see you’re in debt, get in touch with your loan provider. Notify them concerning your situation, and work out a deal. In many instances, they’ll be inclined to work with you, because they don’t want to lose all the money they have let you borrow.

These are two of the most commonly asked foreclosure questions and answers. If you are experiencing foreclosure, know that you are able to avoid it. If you take action the instant you end up in debt, you will have a good possibility of retaining your house. Start today by visiting: loan modification approval

Related: my loan modification denied