Bank Holiday Opening Hours

The last Bank Holiday Monday of the year is almost upon us and if you plan to spend your time house hunting you can still contact us, whether it be to arrange that valuation you have been meaning to get round to, or get those viewings booked in!

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Our telephone lines are open between 10am and 4pm. Just contact your local office.

Open Viewing 12 Westridge Chase, Royton, Oldham

We have an open viewing taking place on Saturday 27th August between 11am and 12.30pm.

12 Westridge Chase

A very deceptively spacious four bedroom detached family home set over three levels and offering great sized living accommodation. The property is a must see, to take in the true size on offer. Located close to local shops, schools and transport links. The layout features; entrance hall, downstairs WC, kitchen, utility, lounge, conservatory, landing, four bedrooms (2 with en-suites) and family bathroom. Gardens to the front & rear. Off-road parking and single garage. EPC C.

12 Westridge Chase, Royton, OLDHAM OL2 5JL is available to view on Saturday 27th August between 11am and 12.30pm. Viewers are welcome to attend with no appointment required.

You can also view full details on our website HERE. 

Open Viewing Manchester New Road, Alkrington, Middleton

173 Manchester New Road in Alkrington, Middleton, is holding an open viewing on Saturday 27th August between 12pm and 1.30pm with no appointment required.

173 Manchester New Road

A good sized detached dormer bungalow with four bedrooms, situated in a popular and convenient location. Enjoying a corner plot, the property is also elevated from the road providing a good degree of privacy.

Briefly comprises: Large entrance hall, generous lounge with bay window, fitted kitchen, dining room, family room, utility room, bathroom, four bedrooms and a wash room. EPC – E. Externally, the property has a mature garden to the front, and to the side is a parking bay and patio area.

173 Manchester New Road in Alkrington, Middleton, M24 1DE is available to view on Saturday 27th August between 12pm and 1.30pm with no appointment required.

You can also view full details on our website HERE. 

When looking for that dream house, lean on a broker

A house is the biggest purchase most people will make in their lifetime yet some don’t take the time to seek professional advice when looking for a mortgage.

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If you are looking to move house, remortgage or buy an additional property as a landlord some of the most competitive deals on the market can be found through a mortgage adviser. Advisers may be able to access mortgages that you would not find when searching independently.  Brokers have regular contact with a wide variety of lenders, some of whom you may not even know about. The alternative to working with a broker is to call up dozens of lenders and compare their mortgage terms and rates on your own, taking up your valuable time.

There are several different types of fees involved when taking on a new mortgage or working with a new lender, including arrangement, booking fees, and valuation fees.  A mortgage broker can explain all of these to you and take them into account when finding the right product for you.

The knowledge of different lenders’ criteria can be invaluable, especially in the current environment where the mortgage application process is more complicated than ever due to recent regulatory changes. For example, by working with a mortgage adviser they can go through your expenditure. This will be beneficial to you when completing the affordability test as part of your mortgage application.

Brokers have a duty of care to the borrower.  They must take their individual circumstances into account and ensure they find the right mortgage for them. One size does not fit all and it is vital the borrower and adviser have honest and thorough conversations in the run up to finding and applying for a mortgage.

Getting a mortgage can seem like one of the most daunting tasks that you can face in your life, but it doesn’t need to be.  The important thing to remember is that every lender is different in what they view as the ‘perfect candidate’ to lend to. Just because you don’t fit one’s criteria, doesn’t mean you won’t fit another’s.  There is no better time to be seeking suitable mortgage advice from a mortgage adviser.  Contact your local adviser at Mortgage Advice Bureau to discuss your plans and we will do our upmost to help you.

To speak to an adviser contact us on 0161 925 3255.

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

There will be a fee for mortgage advice.  The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

Looks can be deceiving as we found with this Vase!

Ryder & Dutton were asked to carry out a valuation on a small terraced house when our valuer spotted this battered, cracked and chipped vase that she thought worthy of further investigation.

Vase

The vendor felt it was pointless as they’d had a House Clearance firm round who’d told them it was worthless and along with a number of other items had offered them £200.

The vendor said they would have accepted £500, however we referred it to our Asian Art and ITV’s Masterpiece expert, Rachel Houston-Holland, who realised that it was an extremely rare vase from the Dauguang Period, circa 1820 and that even in it’s damaged condition was extremely interesting find.

The Vase was entered into Wright Marshall’s fine arts Auction sale on 21st July, where the vase sold for £25,000! A fantastic result for our client.

So don’t hesitate to contact us if you have any items that you wish our Antique and Fine Art experts to appraise, free of charge, or watch out for our next valuation day.

0161 925 3254 or fineart@ryder-dutton.co.uk

Have you heard about Secure Rent 1-2-3?

Have you heard about Secure Rent 1-2-3?

Ryder & Dutton are delighted to be able to introduce an exciting new scheme for Landlords called ‘Secure Rent 1-2-3’ that launched on 1st August 2016.

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This exclusive new scheme means Landlords will no longer need to worry about rent arrears again.

With our fully managed or rent collection services, if your tenant falls into arrears, Ryder & Dutton will pay the rent due and also pay it every month until the tenant pays the arrears or is evicted. The first month’s rent will be paid to you 10 working days after it is due but subsequent months rent will be paid as normal.

The legal costs of eviction are covered and after eviction we will also pay 75% of the rent for up to two months until another tenant is found.

Secure Rent 1-2-3

Contact your local office for further details – it might cost less than you think.

 

Help to Buy – Not Just for First-time Buyers

Many of you may already be aware of the Help to Buy scheme that was introduced back in 2013, but there are different versions of Help to Buy that are available, not just for those who are first-time buyers.

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Equity Loans

The Help to Buy Equity Loan is excellent for those looking to move home into a new build property that is no more than £600,000, but who are struggling to find the funds for a deposit. Perhaps your current home has not gone up in value enough to fund the deposit for your next move. Or perhaps the price jump between your current home and the new house you want to move into is too high. This is the case for many flat owners looking to move into a house, as figures released showed that the price difference between a flat and a house is increasing, as over the past decade flat prices have gone up by 15% and house prices are up 21%.

For the Equity Loan, as long as you have a 5% deposit, you can borrow 20% of the purchase price, interest-free for the first five years. After five years, the interest rate will be 1.75% by RPI, increasing by another 1% each year. For those in the London area, you can borrow up to 40% of the purchase price.

So if you already own a small property and are looking to move up the ladder and into a new build, then the Equity Loan could give you the boost you need to help get you to where you want to be, without having to wait and build up your savings first.

Finding the deposit is still the largest challenge many buyers are faced with, and since the scheme started, almost two in ten applicants are already existing homeowners in need of that extra bit of help to move them up the housing ladder.

Mortgage Guarantees

Another option for those with a good credit score who are looking to move into either a new build or an older property, is the government-backed mortgage guarantee.

If you have a deposit of at least 5% and are either a first-time buyer or looking to move on to another property, then with the help of this guarantee, banks and building societies will be encouraged to lend you a mortgage. However, this scheme is only available until 31st December 2016.

For more information about the Help to Buy schemes, please visit the government website here or speak with a professional mortgage broker who can talk you through all the relevant terms and conditions.

Why speak to a mortgage broker?

If you’re saving hard to secure your deposit for either your first home or your next home, then you would be a lot closer to moving than you think. To learn more about the ins and outs of the Help to Buy schemes, Mortgage Advice Bureau can help.

Not only can our trusted advisers explain exactly how the scheme works but we also have access to over 11,000 different mortgage products from 90+ lenders, so you aren’t restricted in the options that are available to you.

Let us take the work off of your hands, and get in touch today to arrange an appointment with one of our expert mortgage advisers. We offer appointments either face-to-face or over the phone; whatever suits you best.