Source Spring 2024

The Lifestyle Edition

SOURCE

Let’s find the one

SPRING 2024

Featured property at South Newington, Oxfordshire see page 8

Ideal Interiors see page 6

Garden trends see page 38

Welcome

to o ur lifestyle edition of Source

About 20% fewer people bought and sold a house in 2023 compared to 2022 and the reasons for that are well documented. The reduction wasn’t anything to do with desire to move, but rather ability to move. Ability is predicated on affordability, and we were in a market that was reliant on low interest rates. Most understood that a rise would come at some point, but no one expected those rises to be quite so dramatic.

Towards the end of 2023, it was clear that inflation was falling faster than expected and there was growing confidence that the base rate had peaked at 5.25%. Financial markets began to anticipate that rates would fall, and lenders immediately reflected this by reducing the cost of their mortgages. Inevitably, after such turbulence, the pathway back to lower cost borrowing isn’t going to be smooth, and there will be gentle undulations on a steadily downhill path. Depending on your circumstances, you may be able to borrow on five year terms at around 4% now. Mortgages at that level largely restore affordability criteria and we can already see a very direct impact on the property market. People are moving; some are making up for lost time.

It is important not to get carried away; we know that if wage growth accelerates, the base rate will become more entrenched, but there are reasons to be justifiably optimistic about a good transactional market this year. We know there is an election coming: the latest this can be is 28th January 2025, but most people predict it will be later this year. Historically, elections dampen market activity and whilst the impact probably won’t be particularly dramatic this time, if you are ready to consider a sale, you might want to give us a call sooner rather than later.

To help you on your way, in putting this edition of Source together we have curated a very nice selection of properties we are currently offering for sale, organised around the sort of lifestyle that you want to live . If you’re after a new home, head to pages 18 to 21. If interior design is your thing, then look to pages 6 to 13. If your home isn’t home without a beautiful garden, then it’s pages 38 to 42.

We are also offering something new. On pages 44 and 45, we introduce you to Cherry Street Finance, a really good team of financial advisors based in Birmingham, just over Cathedral Square, from our new office on Colmore Row.

The Cherry Street Finance team offer independent financial advice, and the people we have introduced them to so far have been very positive about their ability to help them. It’s always worth checking if the offer you have is the best one for you; their contact details are on page 44.

I really hope you enjoy looking through our magazine, and if you would like to speak to us about any of the contents, or if you are ready to buy or sell, we will always be pleased to hear from you. The team and their contact details are on page 4.

Let’s find the one.

Your key contacts...

Thomas Blake Derbyshire, Leicestershire, Staffordshire thomas.blake@fishergerman.co.uk

07917 220967

Christian Sanders Worcestershire, Herefordshire

07799 697791

christian.sanders@fishergerman.co.uk

Emily McPheat

Derbyshire, Leicestershire, Staffordshire

07977 066741

emily.mcpheat@fishergerman.co.uk

Daniel Hayhurst

Cheshire, South Manchester

07810 378187

daniel.hayhurst@fishergerman.co.uk

Shelley Stephenson Worcestershire shelley.stephenson@fishergerman.co.uk

07812 704908

Ella Pearson New Homes Agency ella.pearson@fishergerman.co.uk

07580 323827

Joy Brankin-Frisby Leicestershire, Rutland, Northamptonshire

07918 677574

joy.brankin-frisby@fishergerman.co.uk

Molly Skinner Bedfordshire, Cambridgeshire

07741 264143

molly.skinner@fishergerman.co.uk

Matthew Davis Oxfordshire, Buckinghamshire

07880 385037

matthew.davis@fishergerman.co.uk

Toby Harris Oxfordshire, Warwickshire, Northamptonshire

07975 980745

toby.harris@fishergerman.co.uk

Toby Gale-Hasleham North Wales

07929 742091

toby.gale-hasleham@fishergerman.co.uk

Richard Gadd National Country Agency Team

07966 481487

richard.gadd@fishergerman.co.uk

Michael Harris Cheshire, North Wales michael.harris@fishergerman.co.uk

07870 961711

Tom Parker Nottinghamshire, Lincolnshire, Yorkshire

07738 981255

thomas.parker@fishergerman.co.uk

Ben Charsley Northamptonshire, Oxfordshire

07816 264582

ben.charsley@fishergerman.co.uk

James Cardon Derbyshire, Leicestershire, Staffordshire

07967 876982

james.cardon@fishergerman.co.uk

Joanne McElevey Worcestershire

07976 493671

joanne.mcelevey@fishergerman.co.uk

Matthew Allen National Country Agency Team

07810 378190

matthew.allen@fishergerman.co.uk

1 Ashby de la Zouch 01530 410840 centralagency@fishergerman.co.uk

2 Ashford

/company/fisher-german-llp

3 Banbury 01295 271555 banburyagency@fishergerman.co.uk

@fishergerman_newhomes

@fishergerman_homes

4 Bedford 01234 823661 bedfordagency@fishergerman.co.uk

/FisherGerman.Homes/

5 Birmingham

6 Bury St Edmunds

7 Chester 01244 409660 chesteragency@fishergerman.co.uk

8 Cwmbran

9 Doncaster 01302 243930 doncasteragency@fishergerman.co.uk

01636 642500 newarkagency@fishergerman.co.uk

Stafford 01785 257011 staffordagency@fishergerman.co.uk 25 Thame 01844 212004 thameagency@fishergerman.co.uk

Worcester 01905 726220 worcesteragency@fishergerman.co.uk National Country Agency Team 020 7870 7799 ncat@fishergerman.co.uk 1

I deal Interiors

The latest trends in home design

Looking for home inspiration? Joy Brankin-Frisby looks at the latest trends in interior design and how to create functional yet beautiful spaces in your home.

Our home is so much more than bricks and mortar: it offers us sanctuary and a place full of memories. Creating the perfect home that looks and feels exactly how you want it is no mean feat; not only does it require a great deal of imagination but also a keen eye and an open mind. It is one thing to have an idea of how your dream home might look, but what about its functionality? The best interior design doesn’t just look aesthetically beautiful but is also functional, actively complementing your way of life.

Functional and yet beautiful

The kitchen is the hub and main focal point in our homes and has become so much more than a space for simply preparing meals. The trend for multifunctional rooms with carefully zoned areas, to include cosy seating and dining spaces, is highly popular and now comes with the often-added requirement for a study space within the kitchen. Life revolves around this open plan livingkitchen as the heart of the home, being both functional and yet warm and inviting.

The kitchen island remains an integral part of the modern-day kitchen, but we are seeing a growing trend for freestanding pieces. Whilst these feel more like a piece of furniture, they still have the benefits of the usual island with deep drawers and a social breakfast bar seating area.

Our hectic lives mean that homeowners are looking for a sense of calm and tranquillity when they walk into a space, with lots of natural light. In 2024, we are seeing a trend towards more calming colours and natural textures helping to create a serene space in your home. The Scandi style kitchens are proving ever popular with a minimalist approach, clean lines and natural materials; however, unlike the pure minimalist look, these kitchens have softer, warmer edges with textiles, warm woods and light colour schemes. Bare wood cabinets are likely to make a comeback, with the natural grain and texture adding depth and character to the room. Slab backsplashes are also set to be a popular addition to kitchens in 2024. These seamless, continuous backsplashes create a sleek and modern look.

Bathrooms are also places for blending both functionality with aesthetics, creating spaces that offer sanctuary and

well being. There is a surge in popularity of bathrooms that focus on health and wellness, with spa-like amenities including steam showers.

Freestanding baths are a key, timeless feature. These sculpturally beautiful tubs can serve as a striking focal point to the bathroom. In addition, there is increasing demand for the double sink which not only offers great functionality but also creates a sophisticated and luxurious feel.

In terms of décor, the bathroom is a space where homeowners can be a little braver, using bold paint colours and fabulous wallpaper. There is an increasing trend towards flooring and wall tiles that use geometric patterns such as chevron, basket weave and herringbone layouts.

An exquisite barn conversion enjoying an elevated position

Barrow Hill, Rocester

• A grand reception hallway

• Spacious open plan living-dining kitchen

• Games room, bar and snug

• Spacious master bedroom suite

• 3 further bedrooms, one with en suite

• Triple garage with electric doors

• Sweeping driveway and landscaped gardens

• EPC rating - C

Guide price – £995,000

01785 257011

Biophilic Design

Biophilic is all about connecting us to the natural world, with a focus on bringing elements of nature into our spaces. It is said to improve health, productivity and happiness. Biophilic design aims to minimise the barrier between the outside and inside world, creating rooms that not only have lots of natural light but also a nature-inspired colour palette, with plenty of organic tactile finishes including wood, rattan and jute.

The modern garden room is a great way to achieve the aim of bringing the outdoors indoors and vice versa, enabling the garden to be an extension of our living space. With bifold doors, these spaces are a great way to seamlessly link our indoor and outdoor living. Modern garden rooms, often with underfloor heating and energy-efficient windows, are designed to be used all year round, unlike the more oldfashioned conservatory that could only be occupied for a few months of the year.

Wonderful contemporary styled single storey with flexible living

South Newington, Oxfordshire

• Modern flexible single storey home

• 3 reception rooms

• Living kitchen/breakfast room

• Dual access dining room

• 6 bedrooms, potential annexe

• Lovely south facing gardens

• Privately situated, popular location

• EPC rating - D

Blending old with new

Modern, minimalistic fittings and fresh colours can perfectly complement the period home whilst ensuring that the character and history are not lost. Carefully used contemporary colours and styling can highlight and celebrate the original architecture and character of a period property without losing the integrity of its heritage.

Tall and grand ceilings can be accentuated with statement lighting. For example, a top tip would be to choose lighting that is bigger than your ceiling rose.

Click to find out more

Bradbourne, Derbyshire Handsome Grade II listed Georgian residence

• Breakfast kitchen & 2 reception rooms

• Master suite with dressing room

• 5 further bedrooms, 3 bathrooms

• Timber workshop/potential stable range

• Formal gardens, pond, grazing land

• A fantastic coach house

• Reception room with bar and lounge

• Annexe accommodation

Guide price – £1,600,000 01332 416790

Flooring choices

Hardwood flooring together with sustainable rugs and carpets underpin the flooring trends in 2024. Celebrating the texture of natural materials and ensuring those materials are presented in their natural hues is key.

Expect to see sophisticated oaks and walnuts in wide planks or classic herringbone patterns. Where natural

materials aren’t practical, luxury vinyl tiles provide an excellent durable alternative. Stone tiling will tend to be larger and, where possible, will run from inside and seamlessly into the garden. To be really on trend, your hard flooring should be complemented with sustainable rugs, perhaps made from reclaimed wool or jute, or even recycled bottles!

• Character features

• 4/5 bedrooms

• 4 reception rooms

• Kitchen/breakfast room, cellar

• Period barn and outbuildings

• Potential for conversion

• Beautiful gardens

• In all about 0.58 acres

Lighting

Paying careful attention to the way you illuminate the spaces in your home can have a massive impact on both overall appearance and ambiance. Good lighting is more than just brightening a space. It is important to take into consideration the way we use the spaces in our home and how this might change throughout the day, as well as considering the seasons. For example, a ceiling light might be the practical solution to lighting a room, but to create a low-lit ambiance instead consider using soft floor or table lights working together. A dimmable switch or smart light that can change colour are also options for creating a softer, gentler atmosphere.

A substantial and characterful Georgian former rectory

Radbourne, Derbyshire

• Former rectory dating back to 1750

• Period features, high ceilings

• 4 reception rooms, breakfast kitchen

• Formal sitting room, home office

• 6 bedrooms, 4 bathrooms

• Extensive gardens, paved terraces

• Outbuilding, workshop, plant room

• In all about 1.05 acres

Tactile textures

To complement the natural and calming style of the home in 2024, homeowners will be looking to include comforting textures using tactile fabrics and natural materials to bring depth, warmth and character to spaces. Touch plays a strong role in how we feel about our homes. We are likely to see a return of bouclé-upholstered furniture and chunky knitted throws to create a stylish and cosy interior. Original natural materials like timber and stone can be revealed and highlighted to enhance a natural and tactile effect, often using upcycled items to maintain that organic feel. Again, we see a trend for the Scandi style where simple but textured items offer

a depth of feeling, appealing to multiple senses. Even in bathrooms and kitchens, textured tiles are replacing the smooth glossy finish to create a more warming and characterful feel to the home.

Contemporary styled listed cottage with original period features

Tadmarton, Oxfordshire

• Beautiful Grade II listed village home

• Abundant original period features

• Styled for modern living

• 3 reception rooms, 4 bedrooms

• Kitchen/breakfast room, dining room

• Modern garden room

• Landscaped gardens, courtyard

• Popular village location

Multifunctional dining spaces

The dining room, whether a separate space or part of an open plan kitchen, is one of the most used areas in the home, acting as a social gathering space where families and friends come together. The traditional dining room was a formal space but has since evolved into a multi-functional area, used for eating, socialising, and even working. It is therefore apt that we see dining room furniture and style adapt and redefine to reflect the modern trends, for this blend of functionality and aesthetics. In line with the desire to create warm and comforting spaces, we are seeing a return of darker woods to include walnut and teak.

Upholstered dining chairs create a textured look but also provide a comfortable and cosy place to sit, replacing the formal and possibly stuffy hare back chairs. Soft lighting and warm but natural colours help to complete the effect.

Gresford, Wrexham

• Contemporary fittings throughout

• Open plan living kitchen/dining room

• Separate lounge, ground floor bedroom

• 2 first floor bedrooms, 1 en suite

• Dressing room/study, family bathroom

• Delightful enclosed garden

• Prime village setting, ample parking

• EPC rating - C

Substantial Grade II listed house enjoying excellent views

Newchurch, Staffordshire

• 6 bedroom Grade II listed house

• 4 reception rooms, dining kitchen

• Large adjoining annexe

• Traditional farm buildings

• Modern buildings, double garage

• Formal gardens, tennis court

• Pasture and arable land

• In all about 44.76 acres

Tenbury Wells, Worcesteshire

• Stylish breakfast kitchen with Aga

• 2 further reception rooms and a cellar

• Master bedroom with luxury en suite

• 2 further bedrooms both with en suites

• South facing landscaped gardens with pond

• Detached garage, outbuildings & stable block

• Paddocks and garden, in all about 12.82 acres

• EPC rating - D

Beautifully presented detached character property

A wonderful Victorian home with many original features

North Kilworth, Leicestershire

• Character features throughout

• Dining room, sitting room

• Family room, utility

• Large kitchen with space for dining

• 4 bedrooms, master bedroom, en suite

• Extensive gardens, seating terraces

• Brick built stables with planning

• EPC rating - F

Guide price – £750,000 01530 410840

I mpressive Grade II listed country property in a rural setting

Harvington, Worcestershire

• Entrance hall with office area & cloakroom

• Inner hallway with library

• Drawing room with inglenook fireplace

• Kitchen, dining room & separate sitting room

• Extensive versatile accommodation

• Hard surface tennis court

• Large grazing paddocks and stabling

• In all about 22.74 acres

Guide price – £1,575,000 01905 726220

A

superb

family home with buildings, land and yoga studio

Milton, Derbyshire

• 3 reception rooms

• Open plan living-dining kitchen

• 6 - 7 bedrooms, 3 bath/shower rooms

• Attached traditional outbuildings

• A yoga studio, potential home office

• 3 kennels with runs

• An American barn stable building

• EPC rating - D

Guide price – £1,750,000 01332 416790

Epwell, Oxfordshire A rarely available country retreat on the edge of the Cotswolds

• Well-appointed flexible accommodation

• 3 reception rooms, open plan kitchen

• Family room, dining area

• 4 bedrooms, bathroom, shower room

• Well maintained gardens, pastureland

• Far reaching southerly rural views

• In all about 29.62 acres

• EPC rating - D Click

Guide price – £1,800,000 01295 271555

Rare opportunity to live in a beautiful Grade II listed family home

Haddenham, Buckinghamshire

• Character features throughout

• Snug, sitting room

• Dining hall, spacious kitchen

• 4 bedrooms, dressing room/study

• Garage, driveway parking

• Spacious and well stocked garden

• Large patio area

• Sought after village location

Guide price – £1,150,000 01844 212004

Farndon, Cheshire

• Handsome 6 bedroom farmhouse

• Extensive accommodation over 2 levels

• Productive grazing land

• Detached barn with residential consent

• Idyllic and private setting

• Ideal for equestrian use

• In all about 88.99 acres

• EPC rating - G

Guide price – £2,200,000 01244 409660

A fine residential farm in a glorious location set within 89 acres

Buyers’wish list revealed

Our New Homes team have surveyed new homes buyers to identify their ideal ‘wish list’ and the results found that...

of buyers want a smaller house in a dream location 80%

Our survey confirmed that the mantra ‘location, location, location’ has never been truer. Interestingly, respondents said that they were willing to sacrifice the size of their property to get a prime location.

Most choose a new home for ease, not only in terms of swift access to transport links, schools and local amenities (which new builds are typically tactically positioned to be) but also as they’re low maintenance and in most cases, are more energy efficient.

64%

...of buyers want a home offering open plan living

Gone are the days of compartmentalised rooms and closed-off spaces. Today’s homebuyers are looking for open floor plans that allow for better flow and communication between rooms. An open floor plan makes it easier to entertain guests and keep an eye on children, and sits high on the agenda with buyers continuing to seek multipurpose space which can be multifunctional.

69% would prefer a smaller house finished to an exceptionally high standard

People just don’t settle for second best any more – purchasers like knowing that everything is brand new and untouched. New build homes tend to be built with the latest heating systems, insulation, and double glazing, your home is built using top-notch new technology and materials. Bathrooms and kitchens are fitted with high-spec modern appliances and sanitaryware.

...wanted a property in a prime position with a large garden

Outdoor living spaces are more important than ever; homebuyers are looking for properties that offer a private outdoor patio. This is a place to relax, entertain guests, and enjoy the fresh air and sunshine.

‘The survey results highlight that buyers aren’t just looking for a property any more; there is a clear focus on lifestyle too, with location and amenities being at the top of most buyers’ checklists along with social spaces for entertaining.’

87% want bigger bedrooms and fewer bathrooms

Nowadays purchasers are looking for larger bedrooms to accommodate walk-in wardrobes to house their collections of clothes and shoes. Often, space for a dressing table or a seating area appears on the ‘must have’ list too. The demand for an en suite bathroom seems to have reduced and those looking for a new home would rather opt for larger bedroom space and a luxurious, high-specification main bathroom to pamper themselves in.

36% want an eco-home with lower energy bills

Homebuyers are increasingly concerned with energy efficiency and sustainability, so they’re looking for properties that offer energy-efficient appliances, windows and insulation, as well as other sustainable features like solar panels. These features can help reduce not only energy bills but also a property’s carbon footprint.

25% are looking for a new home with a garage

This figure is much lower than it would have been several years ago. People don’t park their cars in garages any more and, in reality, modern cars don’t fit anyway! Garages tend to take on the role of additional storage space, so often a large shed or a reasonable amount of internal storage space will suffice in most cases.

07580 323827

ella.pearson@fishergerman.co.uk

A boost to buying

Assisted move/Help to Sell/ Easymove/Smooth Move

Assisted move schemes are offered by new-house builders or developers. They are intended for those who want to buy a new-build home from the builder/developer but have an existing house they need to sell first.

Part exchange

A part exchange scheme is where you trade your existing house against a new-build property, in much the same way as you would trade your old car in for a new one. Ultimately, your property serves as part payment for a new-build home. One of the reasons some sellers like part exchange is that the sale of their property is more likely to be guaranteed and it helps them avoid being part of a lengthy and complex property chain.

Shared ownership

This scheme enables you to buy a share of a new home from the ‘landlord’, who is typically the council or a housing association; you then pay rent on the remaining share. You need a mortgage to pay for your share, which can be between a quarter and three-quarters of the home’s full value. You then pay a reduced rent on the share you don’t own. Later, you can choose to buy a bigger share in the property, and ‘staircase’ up to 100% of its value.

Armed forces discount

In January 2023, the Forces Help to Buy Scheme was introduced offering an enduring policy, ensuring its availability to all service personnel. The scheme enables service personnel to borrow up to 50% of their salary, up to a maximum of £25,000 interest free towards the purchase of a property.

Finally many developers offer incentives including deposit contributions and discount off the sale price.

Becketts Green

Middleton Cheney, Banbury Cotswold Oak

An inspiring collection of collection of 19 two, three and four bedroom homes in a desirable and idyllic village in Oxfordshire.

01295 271555

£ Prices from £425,000

Coed-Y-Scubor

2 prestigious four/five bedroom detached homes boasting spectacular coastal views.

01244 409660

Llanddulas Cete Ltd £ Prices from £650,000

Thistle House

Northamptonshire Browns Developments Ltd

A fabulous four bedroom stone house finished to a very high standard and specification, in a great position within a popular village.

01295 271555

£ Prices from £625,000

Barnsley Hall

Bromsgrove BN Developments

A unique collection of just 5 luxury one and two bedroom apartments within an exceptional newly converted Edwardian building with secure gated parking and circa 0.5 miles from the town centre.

01905 726220

£ Prices from £425,000

Lyndhurst

Welland

Lyndhurst Construction Ltd

A stunning four bedroom detached A-rated energyefficient property in a picturesque village location.

01905 726220

£ Prices from £675,000

Barton

Gate

Barton-Under-Needwood

Howard Homes

An exclusive farmyard development offering a unique collection of two, three and four bedroom barn conversions set amidst delightful countryside, on the edge of this much sought after village.

01332 416790

£ Prices from £550,000

A stunning stylish family home with far reaching views

Oxfordshire/Warwickshire borders

• Flexible flowing family accommodation

• Vibrant and colourful stylish decor

• 4 reception rooms, utility/larder

• Entertaining kitchen/dining, studio

• 5 bedrooms, dressing room, en suite

• Outside terrace, lawned gardens

• Far reaching views, 6 acre paddock

• In all about 6.5 acres

Guide price – £1,750,000 01295 271555

Rowsley, Derbyshire

• Reception hall, 2 reception rooms

• Playroom, study

• Dining kitchen, utility room

• 5 spacious bedrooms with en suites

• Stone built outbuildings

• Generous gardens and grounds

• Idyllic views across the Peak District

• EPC rating - D

Guide price – £1,425,000 01332 416790

Fabulous contemporary styled five bedroom detached property

Upper Tadmarton, Oxfordshire

• Entrance hall, library area, study

• Contemporary kitchen/dining room

• Master bedroom, modern bathroom

• 4 further bedrooms, one with en suite

• Detached studio/annexe, paddock

• Popular village location

• In all about 2.4 acres

• EPC rating - D

Guide price – £1,650,000 01295 271555

Well designedmodern home in rural setting with far reaching views

Goadby, Leicestershire

• Entrance hall, high quality kitchen

• Open plan dining room and garden room

• Sitting room, family room

• 7 bedrooms, 3 family bathrooms

• Utility and pantry

• Triple garage and parking area

• Beautiful garden with rural views

• EPC rating - C

Guide price – £1,375,000 01530 410840

Impressive Victorian residence located within a secluded setting

Rangemore, Staffordshire

• Spacious reception hall

• Sitting room, playroom

• Open plan living dining kitchen

• 5 bedrooms, family bathroom

• Master bedroom with en suite

• Detached 1 bedroom annexe

• Triple garaging range, generous gardens

• EPC rating - C

– £1,450,000

Well presented four bedroom family home set within 1.03 acres

Dinton, Buckinghamshire

• 3 reception rooms

• Recently refitted modern kitchen

• 4 bedrooms, family bathroom

• Planning permission for extension

• Garage, off road parking

• Surrounded by countryside

• In all set about 1.03 acres

• EPC rating - D

A rarefied opportunity to acquire a Grade II listed property

Worcester

• Period property with flexible accommodation

• Abundance of original features throughout

• Sitting room, study, reception room, snug

• Kitchen, dining room, sun room

• 2 cloakrooms, boot room, utilily, bathroom

• Master bedroom, en suite, 2 further bedrooms

• Double garage with workshop, driveway

• Views over the racecourse

Guide price – £795,000 01905 726220

Malpas, Cheshire

• Living room, dining room

• Open plan kitchen/dining/sitting room

• Office/reception room, utility

• Master bedroom, en suite, dressing room

• 2 further bedroom suites

• Approximately 2,125 sq ft

• Enclosed rear garden, double garage

• EPC rating - TBC

Offers in excess of £700,000 01244 409660

National Country Agency Team

The knowledge and expertise provided by your local office is complemented and enhanced by our National Country Agency Team. Specialising in the sale of complex and higher value property, the National Country Agency Team can provide additional market insight, technical expertise and guidance to chart a clear path through the myriad and often complex factors that could be influential in a sale. The team are focused on unlocking additional value by formulating, and then implementing, the best strategy to create the highest possible sale price for country houses, farms and estates.

Local and regional buyers are the largest group of potential purchasers for most properties and our regional offices will cover this group comprehensively. However, where properties are unique and in short supply, experience demonstrates that buyers often have much wider search areas. Our ability to promote and market your property to reach a national and international market can add a valuable advantage to your sale.

The National Country Agency Team will be responsible for coordinating the London exposure of your property which is augmented utilising LonRes, recognised as the premier network and data source for over 6,000 leading agents working in London. By instructing Fisher German, you are connecting your property to the best possible network of London buyers who are relocating out of the capital, and at no extra cost to you. We also have a strong number of overseas buyers who are registered looking to invest in prime property across the UK.

Finally, in addition to delivering the very best job, we want you to enjoy working with the National Country Agency Team; a personal and collaborative approach is at the heart of what they do.

“With the ever changing property market conditions it is important to provide proactive, well reasoned, professional advice to our clients. Excellent customer service is at the heart of what we do and Fisher German will always strive to deliver this.”

Matthew Allen

07810 378190

matthew.allen@fishergerman.co.uk

Richard Gadd

07966 481487

richard.gadd@fishergerman.co.uk

Patrick Ellicott

07816 189992

patrick.ellicott@fishergerman.co.uk

Stuart Flint

07501 720422

stuart.flint@fishergerman.co.uk

Alasdair Dunne

07501 720412

alasdair.dunne@fishergerman.co.uk

Selling success

A selection of recently sold properties

Selling success

A selection of recently sold properties

Online Auctions go from strength to strength…

...and are the ideal means of selling for a multitude of clients

For many people, selling a property asset is done by default through a traditional private treaty sale and this is appropriate for most. Online auctions however can provide a quick and certain sale, and sometimes an exceptional result.

Selling by online auction can provide certainty of sale with an exchange of contracts in a fixed timescale and completion 20 working days later.

Each sale is an individual sale, not part of a mass auction day where your property is just a number. Fisher German prides itself on service delivery, and by holding individual sales we are able to tailor a sale to suit the client’s needs, with flexibility to adjust timing and pricing during the sale to ensure a successful outcome. A typical sale will run for four weeks from the time the full legal pack is ready, meaning that a client could exchange and complete in as little as eight weeks.

The stats are compelling – our business levels are up 20% year on year and the average sale price is 33% over guide. The secret to a successful sale is to set an appealing guide price from which competitive bidding will result, and our property experts across our national network of 26 offices are ready to advise you.

Is it for you?

Well, in short, yes, it could well be. The range of clients we have acted for recently is very diverse, including commercial businesses, utilities companies, public bodies, private clients, property companies, charities and landowners. This is not an exhaustive list, but all have benefited from the transparency of the platform allowing all bidders to see the offers being placed. Once the reserve has been met, any bid placed during the last five minutes of the auction will reset the clock for five minutes, allowing bidders to continue bidding, without being sniped at the last moment. Online auctions can sometimes continue 20 to 30 minutes beyond their allocated end time, so all buyers have a fair chance and the vendor secures the very best price. Buyers have to be able to complete their purchase in 20 working days, so they must have cash or borrowings in place

to enable them to go ahead. Traditional forms of lending are not generally available, potentially restricting chances to buy for many. However, Fisher German have a trusted advisor in Cherry Street Finance who can provide quick decisions enabling buyers to borrow and still proceed to purchase by online auction. To find out more about their no obligation, fee-free financial advice available, see pages 44 to 45.

What sort of things are selling?

Online auctions aren’t all about run down barns and structurally unsound houses. Increasingly we are offering ‘normal’ properties for sale, one such example being the recent sale of Carrick Road in Chester. This detached family house had plenty of viewings and, whilst the guide price was set at £450,000, the final auction sale price was £666,000, some 48% over guide.

One of Fisher German’s utility clients elected to sell a cottage sitting in just under 1.5 acres, an asset for which they had no ongoing use. Located in a popular spot outside Shepton Mallet, it attracted considerable interest with 103 bids placed; the guide price of £265,000 was easily surpassed , finally selling for £463,000 , some 75% over the guide , an exceptional outcome.

Online auction could be a very appealing means of selling for many people. Do get in touch and we can explain the process in more detail – we’d be delighted to make you another one of our success stories.

For further information... If you are interested in finding out more about selling by online auction, please contact Tom Dennes, Head of Auctions on 01295 226290 or tom.dennes@fishergerman.co.uk

An extensive period property set within generous grounds

Pistern Hills, Derbyshire

• Handsome period residence

• 8 bedrooms, 5 reception rooms

• Heated outdoor swimming pool

• Detached recreation barn

• Extensive garaging, outbuildings

• Formal gardens, grazing land

• In all about 8.20 acres

• EPC rating - E

Guide price – £1,800,000

410840

Hanbury, Worcestershire

• Handsome detached family home

• High specification, traditional features

• 5 reception rooms

• Breakfast kitchen, sitting room

• 6 bedrooms, library area

• Cinema room, gym, workshop

• In all about 4.18 acres

• EPC rating - C

Guide price – £2,500,000 01905 726220

Period family home in a wonderful rural location

Pershore, Worcestershire

• Beautifully presented country home

• 3 reception rooms

• Open plan kitchen/family room

• Dining room, dual aspect snug/bedroom

• 4 bedrooms, luxury family bathroom

• Sought after rural location

• In all about 14 acres

• EPC rating - F

Guide price – £2,175,000 01905 726220

Stunning detached former working bakery with four double bedrooms

Kings Sutton, Oxfordshire

• Former working bakery and shop

• Stylish well proportioned rooms

• 3 reception rooms

• Large kitchen/dining room

• Bi-fold doors to outside terrace

• 4 double bedrooms, 2 en suites

• Landscaped gardens, parking, car port

• EPC rating - D

Guide price – £895,000 01295 271555

A beautiful 19th Century detached character cottage

Long Crendon, Buckinghamshire

• Kitchen/breakfast room

• 3 reception rooms

• 2 feature log burners

• 4 bedrooms, en suite

• Mature gardens

• 3 sun terraces, summerhouse

• Sought after village location

• EPC rating - D

Guide price – £975,000 01844 212004

Well presented barn conversion offering spacious accommodation

Overthorpe, Nr Banbury

• Vaulted double height entrance hall

• Drawing room, dining room

• Kitchen/breakfast room

• Library, study area

• 4 bedrooms, master bedroom suite

• Outdoor swimming pool

• Enclosed gardens, countryside views

• EPC rating - E

Guide price – £1,250,000 01295 271555

A charming, former vicarage, in an elevated position with views

Frodsham, Cheshire

• Kitchen, drawing room, dining room

• Study, boot room, utility, cellar

• Principal bedroom with dressing room

• 4 further bedrooms, 2 bath/shower room

• Lawned gardens and extensive parking

• Range of outbuildings and garage

• In all about 0.85 acre

• EPC rating - E

Offers over £750,000 01244 409660

South Newington, Oxfordshire

• Entrance hall, morning room

• Bespoke kitchen/breakfast room

• Dining room, utility

• Triple aspect drawing room

• 5 bedrooms over 2 floors

• Converted former bakery annexe

• Outbuildings, extensive gardens

• Grade II listed

Guide price – £2,500,000

01295 271555

Beautifully presented five bedroom home set in extensive grounds

Gardentrends

As we dive into a new gardening season, Alasdair Dunne explores the trends emerging across the ever-evolving landscape of country gardens.

Whether you embrace sustainable gardening, edible landscaping or are looking to redesign your outdoor space, trends are emerging that not only focus on aesthetics and functionality, but an increased awareness of environmental priorities. With 30 million gardeners in the UK and more people choosing to spend time in their gardens year on year, our gardens have become an important extension to our indoor living space.

The importance of the interconnectedness of internal and external living spaces is one of the clear changes to emerge over the last few years in the residential property

market. Houses that naturally connect with their gardens and allow a seamless living experience between inside and outside are in vogue. With a great garden high on homebuyers’ wish lists, it’s clear that more and more people place significant emotional and monetary value on their private outdoor spaces. So , whilst some clear internal trends are present, for example the importance and desirability of a kitchen/breakfast/family room, see pages 7 & 13, what we require from our gardens has been less clear. With the onset of finer weather, we explore a few of the latest trends to find inspiration on the best way to utilise our outdoor spaces.

Environmentalresponsibility

It would be fair to say that many people are developing their sense of environmental consciousness and responsibility. Our understanding of the fragility and importance of our outdoor environment is becoming more developed, creating a greater appreciation of the world we live in and what we might do to enhance our little part of it. We are told that as gardeners we can have a significant impact on the wider landscape and that our carefully tended plots can play an important part in an improved local ecosystem.

Perhaps the most important point to make is that developing an environmentally sustainable garden, capable of enhancing flora and fauna, can be achieved without sacrificing any aesthetic considerations. Improving biodiversity does not necessarily mean creating an untamed wilderness. With some care and research, we can create a space that is not only one we enjoy looking at, but somewhere that nourishes our general well-being whilst supporting the health of its environment.

The RHS recently launched a Sustainability Strategy and a Planet-Friendly Gardening Campaign to demonstrate their commitment to improving environmental sustainability. This year, as part of their selection criteria for inclusion in the Chelsea Flower Show, designers must satisfy a range of environmental criteria developed to ensure sustainability. Chelsea is always at the forefront of design; where it goes, we do our best to follow.

Wonderful country property with beautiful formal gardens

Whitchurch, Buckinghamshire

• Beautifully restored family home

• 7 bedrooms, 5 reception rooms

• Original period features

• Private gardens, grounds, paddocks

• Formal walled gardens

• Private outdoor swimming pool

• Large entertaining terrace

• In all about 5.31 acres

Guide price – £2,500,000 01295 271555

Design with productivity in mind...

I’m not sure that many people would have been familiar with the word “edimentals” a few years ago, but it is undoubtedly creeping into more conversations. Edimentals neatly refers to plants which are both edible and ornamental. You can have a beautiful ornamental garden, but that garden can also include great-looking plants which you can harvest and eat! Fruit trees are of course very familiar, but now gardeners are tucking edimentals alongside their herbaceous perennials to great effect. It’s not unusual to see the amazing multicoloured stems of rainbow chard (great in salads or stir fries), or salsify with its wonderfully spiky purple flowers (fantastic parsnippy taste when roasted), sitting beside geraniums or alliums; perhaps those alliums might even be substituted for their little cousin, the humble chive. For a little more drama, statuesque artichokes can easily take pride of place in a mixed border. And don’t forget the tomato. A well-trained tomato with its tempting

Gardenresilience

This is perhaps a guiding principle affecting the choices you make as you develop your garden. Garden resilience refers to the need for plants to withstand both drought and flooding, frosts, and prolonged heatwaves. Whilst undoubtedly a challenge, gardeners can mulch with organic matter to improve their soil, retain moisture, and protect from frost. A well mulched garden will undoubtedly foster healthier plants, naturally more capable of dealing with weather extremes. A compost heap will provide a great wildlife environment while dealing with grass clippings and general garden cuttings as well as cardboard and paper. In return, you can have all the mulch you need. A water butt will allow you to collect and retain precious rainwater, ready for the dry days. Creating log piles and allowing fallen leaves and cuttings (chop and drop) to remain in the borders will provide great habitat for a variety of natural pest controllers and detritivores who will steadily clean up your garden for you, and yes, the much-maligned slug is one of those – as well as being a feast for your resident blackbird! Finally, as Beth Chatto put it, “right plant, right place” is essential.

A significant village property with mature gardens and grounds

East Haddon, Northamptonshire

• Great character property, 6 bedrooms

• Outbuildings, annexe

• Potential to refurbish and develop

• Mature landscaped gardens and grounds

• Well-positioned outdoor seating areas

• Located in popular rural village

• In all about 0.45 acres

• EPC rating - E

Guide price – £1,300,000 01858 410200

And what about design?

Open-air sitting rooms, dining rooms and kitchens are all highly desirable and underline our commitment to outdoor living. Many are now making decisions about how they use their garden space in the same way as they make decisions about how they use the rooms inside their house. For example, some people require both a formal drawing room and a relaxed playroom, and in the same way they might create an outdoor space to quietly read a book after lunch but also a mini football field! In this way, garden design can be seen as mirroring interior design, creating sophisticated extensions of our homes.

Finding the right sort of garden for your home will naturally flow from these considerations; whether it be a space for relaxation, entertainment or to connect with nature, a well-designed garden space considers functionality and style. A family house will probably need a familyorientated garden with space to play. A pied-à-terre may require a low-maintenance terrace. Yet some things are universally popular: an outdoor dining area is a must for most homes, shielded from winds and shaded from too much sun, with comfortable seating and ambient lighting.

Design materials that seem particularly favoured by garden designers lean towards the use of rustic and textured elements. Recycled or upcycled is “in”, which reflects a general growing commitment to sustainability and improving our environment. In a move away from hard

landscaping and excessive use of cement, expect to see reclaimed timber and permeable materials like gravel which will help to avoid flooding. Where hardscaping is required, reclaimed stone paving and bricks offer great character and are very desirable. Corten, or weathering steel, is becoming increasingly popular and seems to blend very well with modern designs. The steel contains up to 60% recycled content, is recyclable and its durability and long lifespan reduce its environmental impact.

It is always difficult to predict colour trends. Ask two designers what’s “in” for 2024 and one will tell you it’s about colour, that subtle is out and joyful and warm is in. The other will almost certainly contradict this view

Perhaps colour is all about what you love, so confidently choose the colours you wish to see as you create your perfect garden.

Impressive family home with beautifully landscaped formal gardens

Upper Longdon, Staffordshire

• 5 bedroom detached family home

• Beautifully landscaped gardens

• Expansive lawned areas, shrubbery, trees

• Peaceful orchard area

• Gazebo perfect for alfresco dining

• Large terrace expanding the width of property

• Southerly views overlooking Cannock Chase

• In all about 1.80 acres

Stamp Duty

Stamp Duty Land Tax (SDLT) is payable to HMRC when buying property or land over a certain value. SDLT is payable to HMRC in the UK with the exception of Scotland where they have their own Land and Buildings Transaction Tax (LBTT) and Wales have Land Transaction Tax (LTT).

Stamp Duty Land Tax is levied progressively, in a similar way to income tax. Calculating your liability to this progressive tax can be complex. It can depend on the type of property you are buying, and whether it is your principal private home, a second or third home or a commercial or mixed-use property. Below we break down what Stamp Duty you would be charged depending on a variety of factors.

Purchasing a Sole Residential Property

If you are purchasing a residential property, are not a first-time buyer, are a UK resident and this will be the only property you will own and (whether you live in it or not), then you will pay Stamp Duty if the transaction price is above £250,000. Thereafter, you pay tax as follows:

• The next £675,000 (the portion from £250,001 to £925,000) – 5%

• The next £575,000 (the portion from £925,001 to £1.5 million) – 10%

• The remaining amount (the portion above £1.5 million) – 12%

Purchasing as a First-Time Buyer

There is a discount for first-time buyers. A first purchase of up to £425,000 no longer attracts the tax, and the existing rate of 5% applies on the portion from £425,001 to £625,000. The relief does not apply to properties above £625,000.

Second Home, Buy-to-let Property or Holiday Home

Anyone purchasing a second home or buy-to-let property above £40,000 (unless this is the only property you own) will have to pay an additional 3% on top of the amounts detailed on the left.

If you are purchasing a new property which you intend to use as your only home, but haven’t yet sold your previous house, you would have to pay the higher rates detailed on the left – however, if you sell your old house within 36 months you could get a refund.

Non-Residential or Mixed Use Property

Purchasing a property with significant land holdings can attract a different stamp duty calculation. If the property is classified as nonresidential or mixed-use land and property there is a stepped regime as follows:

• Up to £150,000 – 0%

• Above £150,000 and up to £250,000 – 2%

• Above £250,000 – 5%

Our agency teams are highly knowledgeable and are often asked to provide advice about SDLT so please do get in touch with any questions you may have. To make life a little easier, our website has an online Stamp Duty calculator to cut through the often confusing world of SDLT and save you time – you can find it here:

Helping you to navigate the mortgage maze

To support you in navigating the mortgage market, we are really pleased to introduce you to our preferred property finance partners, Cherry Street Finance. We talked to Paul Timmins about the importance of using a trusted adviser.

Whether you’re a first-time buyer, a buy-to-let guru or simply looking for a better deal, navigating through the wide range of mortgage providers can be confusing and time-consuming. It can be difficult to know where to start. When it comes to buying property, for many a mortgage is inevitable and going to the right mortgage broker, rather than straight to your bank, can pay dividends. If you don’t get the right advice early, you could end up with the wrong mortgage for your situation, which would be a costly mistake in the long run if more competitive or relevant options were available.

It’s important to speak with us early in your buying or selling process, as the sooner you speak to us, the more prepared you’ll be when entering any negotiations as you’ll be fully aware of your options. We can advise you on how to get your finances mortgageready and offer tips on how to improve your chances of getting a mortgage. Going direct to a bank or building society means you will only have access to the mortgage deals it offers. By contrast, we will scour all corners of the market to uncover the deals that are best suited to your circumstances.

Along with advising you on the mortgage itself, we can also handle the application process and keep you informed of its progress with the lender. This can be invaluable at such a busy time of your life, leaving you free to focus on other matters. Quite often, we have long-established relationships with lenders so we will, for example, have regular conversations about criteria updates and policy changes. This can really put you at an advantage when it comes to getting the all-important green light for your mortgage. It’s important to remember when you’re calculating how much you can afford to borrow, you’ll need to think about other costs involved in buying a home.

We all know the housing market has been unpredictable and rates can change with lenders quickly. Whether they go up or down we are notified of these changes early so we can make sure that our clients are still getting the best deal even if things do change along the way.

One in six people are refused a mortgage and 54% of those people then find it takes three months longer, on average, to get approved for a new mortgage. You need to be going to the right lender the first time to avoid any unnecessary delays in the process.

No matter how complex, we can advise on bespoke lending for bespoke properties –not all lenders will offer a mortgage, but as brokers, we understand lender criteria and

can make sure you’re matched with the right lender in the first instance.

We can also help those who are selling with an onward purchase or move in mind. If you need funds to make this happen, we’re here to assist. We have access to lenders who provide short-term lending solutions to meet tight timescales, keep chains together or fund refurbishments of properties that would otherwise be deemed ‘unmortgageable’ on the high street.

Your borrowing power is based on a range of factors such as your income and expenses, your dependents, and any assets or outstanding debts you might have. Some lenders will offer more borrowing based on certain professions such as nurses or solicitors for example, while others look at the source of income in the case of business owners and contractors.

It is important to understand that your credit rating does not always mean you are mortgage-ready; some lenders can take a view on your credit history, but our advice will direct you to the right bank or building society to match your circumstances.

Just because a mortgage doesn’t have a fee payable doesn’t mean that it is going to be the

most cost-effective option for you. Often no or low mortgage fees may not always be the best option and we will explore and explain the differences for you.

There are an increasing number of lenders offering better rates for energy-efficient mortgages. These are for properties with an EPC rating between A and C to stimulate and finance investment in energy-efficient buildings and energy-saving renovations to secure a greener and more sustainable future.

As you’ll see from the above, there are plenty of considerations to make when looking into financing a property transaction and navigating some of these complexities on your own can be a daunting task. Using a comprehensive, whole of market advice service can be invaluable. Let us take the worry, stress and admin away from the process allowing you to focus on your new property.

Paul Timmins from Cherry Street Finance

Scope of service

Fisher German LLP is a leading national firm of specialist property consultants, chartered surveyors and planners, adding value to our clients through understanding, creativity and excellence. There are over 800 of us and we work out of 26 offices throughout the UK. We work for a broad range of clients in 12 core market sectors. A selection of the heads of these sectors are listed on this page together with contact numbers that you might find useful if you need advice about any topic relating to property and land.

Alasdair Dunne Residential & Rural 07501 720412

George Simpson Utilities & Infrastructure 07810 378185

David Merton Rural 07770 333331

Ben Marshalsay Development 07771 974322

Mike Price Commercial 07909 596051

Darren Edwards Green Energy & Sustainability 07918 677571

Thinking of buying or selling?

Fisher German has an extensive network offering exceptional national coverage. If you are looking to buy or sell residential or agricultural property we will be delighted to help you.

Please call us or email: property@fishergerman.co.uk if you would like a free market appraisal or if you would like us to help you with your property search.

Source magazine is intended to be informative but further advice should be taken before decisions are finalised. Prices are correct at time of launch. Fisher German LLP has tried to ensure accuracy and cannot accept liability for any errors, fact or opinion. Date of production April 2024