Coulby_Conduct

© Copyright Glaric Consultancy Ltd. 2010© Copyright Glaric Consultancy Ltd. 2010 © Copyright Glaric Consultancy Ltd. 2010© Copyright Glaric Consultancy Ltd. 2010

Northwich48 High Street, Northwich Cheshire CW9 5BEt: 01606 352220e: [email protected]

WinsfordThe Conservatory, Fountain CourtWinsford, Cheshire CW7 1AJt: 01606 860075e: [email protected]

Lettings & Management2/2a The Bull Ring, NorthwichCheshire CW9 5BSt: 01606 352219e: [email protected]

Middlewich34 Wheelock StreetMiddlewich, Cheshire CW10 9ABt: 01606 832503e: [email protected]

w w w . c o u l b y c o n d u c t . c o . u k


T H E C O U L B Y C O N D U C T G U I D E T O M O V I N G H O U S E


W E L C O M E T O T H E G U I D E

WELCOME TO COULBY CONDUCT INDEPENDENT ESTATE AGENTS

At Coulby Conduct, we pride ourselves on providing a fi rst class customer service making you, the prospective purchaser, feel both important and confi dent in the way in which we help you secure the right property for your requirements. Our experienced and dedicated sales team will advise you step by step. We can offer...

● A varied selection of properties to choose from in and around the area.

● Digitally produced full colour particulars with external and internal photographs.

● Accompanied viewings of vacant properties arranged at mutually convenient times.

● You may ask our representative questions at any point.● We offer support throughout the purchase process,

should it be required, by liaising closely with the solicitors involved in the transaction.

● Mortgage options to suit your individual requirements are available via our experienced and independent mortgage advisors. Why not arrange a no obligation appointment?

● We can also help you with all your household insurance requirements.

By instructing Coulby Conduct to sell your property, you will gain access to a vast number of potential buyers via our ever expanding mailing list.

When you use Coulby Conduct to sell your property, you will also benefi t from:

● Free no obligation valuation of your property.● Qualifi ed, trained and enthusiastic members of staff. ● Full colour digitally produced sales particulars

including external and internal photographs. ● Regular press advertising.● Our Agency uses experience to differentiate

between potential buyers and time wasters, with viewings arranged to suit you.

● Competitive commissions. ● Ever growing mailing list of prospective purchasers.● Accompanied viewings (where applicable).

If you would like to contact us you can drop into one of our offi ces, and talk to one of our team, alternatively, you can contact us by telephone.


B U Y I N G & S E L L I N G 0 1

Advice to people buying propertyThere are very few purchasers who buy the home of their dreams and do not want to change anything.

All too often when you view a property you see it as it is, not as what it could be. The best way to view a property is to use the viewing record page in this guide. List all the positive and negative points of the property and your feelings about it. Then in your own time sit down and work out how much it will cost you to alter the property to your own tastes and requirements. The businesses featured in this guide are there to help you do this.

At the end of the day the choice is yours, however in my many years I have seen so many property transformations which have taken a sad and dilapidated property and turned it into a home anyone would be proud of. Think on, see the future, not the present.

Advice to people selling propertySelling your property quickly and gaining the best possible price has got to be a priority for any prospective vendor and there are a few simple steps which you can take to improve your chances greatly.

First impressions are very important, your prospective purchaser will form an opinion within thirty seconds of drawing up outside your property. So make sure your garden is kept tidy, a well kept garden usually looks

larger and needing less maintenance than an untidy one. A fresh coat of paint can work wonders to improve the appearance of your front door and window sills.

Make sure the interior of your home is free of clutter. The smell of fl owers can make a room feel more welcoming as can a warm home in Winter and open windows in the Summer.

If you are showing people around your home try to be as helpful as possible and answer all their questions truthfully. If you have a dog or cat, try to keep them isolated when people visit as not everyone likes animals.

Local InformationNorthwich is located at the centre of the Cheshire Plain near the confl uence of the Rivers Weaver and Dane. The suffi x ‘wich’ was used to indicate the presence of brine springs and salt which was fi rst extracted at Northwich by the Romans. Salt mining began again in the town in 1670 but by the 19th century it had become uneconomical to mine for salt. Instead hot water was pumped into the mines to dissolve the salt which was then extracted from the brine.

One of the most important tourist attractions is the Anderton Boat Lift in nearby Anderton. It links the River Weaver and the Trent and Mersey Canal. Built in 1875, the Anderton Boat Lift was the world’s fi rst and is

currently England’s only boat lift, the only other working UK boat lift is the Falkirk Wheel in Scotland. After being out of action for almost 20 years, the Lift reopened in 2002 following a £7million restoration. Another highlight of the area is Arley Hall and Gardens, located fi ve miles north of Northwich.

Winsford is to the south of Northwich and developed during the early 18th century when the river was canalised which allowed freight to be transported northwards to the port at Runcorn on the River Mersey. In 1844 a new salt mine was opened in Winsford and by 1897 it had become England’s largest producer of salt. Now the Salt Union mine at Meadow Bank is the UK’s only working rock salt mine, with salt quarried from more than 150 meters below the surface. This salt is known as ‘grit’ and is used on Britain’s roads during freezing weather. Modern Winsford has an impressive industrial estate and has become an important administrative centre, housing the headquarters of the Vale Royal Borough Council, Cheshire Fire Brigade and Cheshire Police.

ADVICE TO PEOPLE BUYING & SELLING


F I N A N C I A L S E R V I C E S0 2

COULBY CONDUCT FINANCIAL SERVICES

The way the market is at the moment it is more important than ever before, to select the right mortgage, as staying with your existing lender or using an adviser who only has access to a panel of 6 or 7 lenders may end up costing you thousands of pounds.

Coulby Conduct Financial Services offer free, whole of market advice, which ensures that you have the mortgage that offers the best value for money for you. Choosing the lowest interest rate available is not necessarily the best thing to do if it’s going to cost you thousands of pounds in arrangement fees, just as it may not make fi nancial sense to choose a product with no fees that has particularly high monthly repayments. Coulby Conduct Financial Services can help you to select precisely the right mortgage for you by weighing up the costs and benefi ts of each product and also taking into account your personal circumstances.

A large part of the company’s clients have been referred by satisfi ed customers, which ensure that the company has an excellent reputation and a rapidly growing client base throughout the whole of Cheshire. The company’s regular reviews every few years enable their clients to repay their mortgages faster over the years, which allows them to retire years earlier than they could possibly have hoped.

Coulby Conduct Financial Services has over the years grown as a successful additional service available to all buyers and sellers whose overall aim is to provide genuine fi nancial advice that clients can trust as part of an ongoing relationship.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Coulby Conduct Financial Services (a trading name of Coulby Conduct Cosgrove Ltd) are an appointed representative of Openwork Limited, who offer insurance and investment advice on products from a limited number of product providers and advice on mortgage representative of the whole market.


S O L I C I T O R S 0 3

Hague Lambert are an effi cient and progressive fi rm of solicitors which has 50 years experience helping people buy and sell property in Knutsford and surrounding Cheshire towns. They offer a friendly, personal and yet professional approach which has over the years established an enviable reputation for professionalism and client care. As a result they are proud to boast that their clients return to them time and time again.

As well as Residential and Commercial Property, Hague Lambert can provide their clients with a wide range of other legal services. Particularly relevant when moving house is the need to review Wills to ensure they refl ect a client’s new circumstances but in addition they provide advice on Trusts, Probates and Personal Tax, Family and Relationship issues, General Disputes, Employment Law, Accidents and for the business client, General Company, Commercial and Partnership advice.

If you are buying or selling a property, or need any other legal advice Hague Lambert are a locally based fi rm at your service.

LARGE ENOUGH TO SPECIALISE SMALL ENOUGH TO CARE

131 King Street, Knutsfordt: 01565 652411 f: 01565 653213www.hague-lambert.co.uk

Other Offi ces in Manchester, Macclesfi eld and Urmston


H I P S / S U R V E Y O R S0 4

If you are selling your home you will have to have a Home Information Pack (HIP) available from the fi rst day your property is put on the market.

The HIP for freehold properties must contain● Home Information Pack Index● Energy Performance Certifi cate

(EPC) or Predicted Energy Assessment (PEA)

● sustainability information (required for newly built homes)

● sale statement● evidence of title● standard searches (local authority

and drainage and water)

The HIP will also contain a Property Information Questionnaire (PIQ). The PIQ, which you will need to complete, will provide a summary of key information about your property in one place. This compulsory one-stop checklist gives buyers information they need to know before making any decision. First-time buyers, with little experience of buying a home, will fi nd this particularly helpful.

You can compile it yourself or you can hire an estate agent, solicitor or HIP provider to do it for you. Always make sure that your HIP provider is signed up to a code of practice, like the HIP Code.

© Crown copyright

HOME INFORMATION PACKS (HIPS) SURVEYOR

There are three types of survey which will vary in cost dependent upon the level of detail required. However you will be well advised to ask for the best survey you can afford. The three different types are detailed below.

The most basic survey is called a Valuation Report. The purpose of this report is simply to establish whether or not the property is worth the price which has been agreed between the seller and the vendor. It is an inspection of the property by sight and will detail obvious faults that can be seen, however, it will not look for faults or defects which may be hidden behind walls, under fl oors or above ceilings. The second type of survey is known as the RICS (Royal Institute of Chartered Surveyors) Homebuyers Survey & Valuation. This survey is far more detailed than the Valuation Report and will examine areas such as the roof space and the state of the timber.

The Buildings Survey & Valuation, formally known as the Structural Survey, is the best you can get and should always be

the fi rst choice of the buyer if possible. This survey examines every possible facet of the property and will provide the buyer with a completely detailed and totally comprehensive report on the property, including all its defects and plus points. It will tell the buyer whether or not they are buying a potential minefi eld or whether they are making a sound investment.

True, this type of survey will cost a little more, however, it could save you thousands of pounds in money and a great deal of grief in the future.


from a local broker with great service and competitive rates - drop in, call or email

County Insurance Consultants (incorporating Heath & Blackshaw) are a local insurance broker who can help you with all of your personal and business insurance needs, including:● Home Insurance (Buildings and Contents)● Landlord Insurance● Business Insurance (Offi ces, commercial premises,

warehouses, stock, freelancers insurance etc) ● Private car and Business Fleet insurance

Competitive prices – their buying power and knowledge of the market means that they can usually get the best rates (even beating internet prices) without compromising your level of cover.

First class personal service – they are here to help you all year around, especially in the event of a claim. Let them do the work, they are the experts.

Home insurance - great value home insurance that comes with total confi dence. With over 100 years experience providing people’s buildings and contents insurance to suit their needs

They will search their panel of leading UK insurers saving you time and money on quality home insurance cover. Feel free to call for a quote before you purchase any property.

Landlord insurance - whether for a single property or a property portfolio, they can save you money while ensuring that you have the right level of cover. This includes buildings, contents (optional), loss of rent, legal expenses and property owners liability. Cover can also be provided for unoccupied property and holiday homes

Business insurance - if you are looking at commercial property, or already have a business, please contact their specialist business insurance team on 01260 285 850. In today’s economy where margins are being squeezed and profi ts are under pressure, it is vital that you have the necessary level of business cover to protect you and your business. One unforeseen incident where you do not have adequate cover could have serious consequences for your cash-fl ow.

Buy online, email or call - and they will do the work for you and call you back with a quote. Alternatively you can obtain and buy an insurance quote online. Get your online home, car or van insurance quote at www.insurance4your.co.uk or call 01260 273 272.

Buy home insurance online at www.insurance4your.co.uk

County Insurance Consultants 7 John Bradshaw CourtAlexandria Way, CongletonTel: 01260 273272, Fax: 01260 291398Email: [email protected] ces in: Nantwich, Crewe and SouthportSee www.countyins.com for contact details

THE COMPLETE SOLUTION TO YOUR INSURANCE NEEDS

I N S U R A N C E 0 5


Sending In New Text and Pics

F U R N I T U R E0 6

Text To Follow


Mere View. Ollershaw LaneMarston, NorthwichCheshire CW9 6ER t: 01606 352881

A556

A556A530B5075

B5391

A559

Wincham

LostockGralam

Winnington

Winnington Bridge

AndertonMarbury

Higher Marston

Higher Wincham

MarstonPickmere

ComberbachGreatBudworth

MANCHESTER RD

MARSTON LANE

NORTHWICH RD

HALL LANEOLLE

RSHA

W L

ANE

LINNARDS LANE

WESTAGE LANE

DARK

LANE

CHURCH

STREET

BUDWORTH LANE

MARBURY RO

AD

NEW ROAD

CHAPEL ST

PARK LANE

PICKMERE LANE

PICKMERE LANE

F U R N I T U R E 0 7

Opening Hours:Tuesday - Saturday 11am to 5pmSunday 11am to 4.30pmDelivery Service Available


SPS Electrical is a local fi rm run by Simon Sweeney that was established many years ago. Since then the business has gained a reputation for quality workmanship and today fi nds itself going from strength to strength. The business is geared to providing electrical solutions across a broad range from domestic installations through to commercial contracts.

SPS Electrical strongly recommend that the electrical wiring, fuse box and sockets within any property should be properly checked every ten years and the wiring should be replaced every twenty fi ve years. Like anything new, continual use can lead to degradation and eventually failure.

Despite Simon’s obvious success in becoming an established business within his fi eld, he never forgets that from day one he has said no job is too big or too small. He still fi rmly believes this today. Customers can rest assured that he will be more than happy to undertake a job that requires a faulty light repair through to a full domestic rewire.

Simon is an approved electrical contractor and is quite willing to carry out a full electrical survey for business and home owners alike. This survey will pinpoint any problem areas which may require action. He also regularly works with estate agents and property management companies to carry out landlord’s inspections and repairs.

He can carry out fuse box updates, extra sockets, shower circuits, burglar alarms, fault fi nding, garden

electrics and if you need it, a full rewire. Statistics available show that several thousand fi res each year can be linked directly to an electrical problem. The very important lesson to be learnt is that if you are moving into a property which is over fi ve years old, you are advised to arrange for an electrical survey to be completed.

Prevention has got to be better than cure, so please be proactive and give Simon of SPS Electrical a ring today and ask for a free quotation or a householder survey.

E L E C T R I C A L S E R V I C E S

ALL ELECTRICAL WORK CATERED FOR

8

35 Whitemore RoadMiddlewichTel/Fax: 01606 737394Mob: 07922 009585www.sps-electrical.co.uk

SPS ElectricalCONTRACTING


H O L LY B A N K V E T I N A R Y S E R V I C E 9

TEXT TO FOLLOW

HOLLYBANK VETINARY SERVICE

ADDRESS


U S E F U L I N F O R M A T I O N1 0

Health Services Cheshire West Primary Care Trust ..........01244 650300Hawthorn Centre, Winsford ....................01606 863152Central Cheshire Primary Care Trust .......01270 275300NHS Direct .................................................0845 46 47

Emergency ServicesCheshire Constabulary ...........................01260 271144Cheshire Fire Service HQ .......................01606 868700

County & Local CouncilsNorthwich Town Council ..........................01606 41510Winsford Town Council ..........................01606 593582Middlewich Town Council .......................01270 529529

Utilities, Conservation & RecyclingWater, ..................................................( )Gas, .....................................................( )Electricity, ............................................( )Gas Emergencies ....................................0800 111 999British Telecom - Moving House ..............0800 800 150Floodline ...............................................0845 988 1188Environmental Emergencies .....................0800 807060Environmental Agency ...........................0845 933 3111General Recycling Enquiries ..................0870 243 0136Energy Effi ciency Advice Centres .............0800 512012

Animal WelfareRSPCA (24 Hour Hotline) .....................0870 555 5999

Travel InformationManchester International Airport ............0161 489 3000Liverpool John Lennon Airport ................0870 1298484Travel Information (bus, coach, etc.) ......0870 6082 608Eurostar ................................................08705 186 186National Rail Enquiries ............................08457 484950

LibrariesNorthwich Library .....................................01606 44221Middlewich Library .................................01606 832801Winsford Library .....................................01606 552065

Local Trading StandardsTrading Standards Advice ......................0845 4040506

USEFUL TELEPHONE NUMBERS HOMEBUYERS CHECKLIST

CHECKLIST 1 - The Buying Cycle

Enquire about Mortgage availability .................................

Obtain Removal Quote ...................................................

Make an offer on the property .........................................

Exchange Contracts .......................................................

Nominate a Solicitor to act for you ..................................

Completion Date agreed .................................................

CHECKLIST 2 - Essential Contacts

Book Your Removal ..............................................

Electric Company (Final reading at old property) .................

(Connection at new property) ...............

Gas Company (Final reading at old property) ........................

(Connection at new property) ........................

Phone Company (Disconnect at old property) .....................

(Connection at new property) ...................

Water Company (Inform both old and new) ........................

Family .................

School ................

Opticians ............

Bank ...................

Store Cards ........

Council Tax .........

DVLA ..................

Sports Clubs ......

Friends ...............

Doctor ................

Chiropodists .......

Building Society ..

Newspapers .......

TV Licence .........

AA/RAC etc: .......

Hire Purchase .....

Employers ..........

Dentist ................

Vets ....................

Credit Cards .......

Post Offi ce ..........

Catalogues .........

Milkman ..............

Other ..................

CHECKLIST 3 - Important Contacts CHECKLIST 4 - What to take with you on the day of the move

Food and Drink ...... Toys/Children ..............

Medicine ................ Light Bulbs ..................

Spare Clothes ........ Washing Up Liquid ......

Vital Documents .... Eating Utensils ............

Toilet Paper ........... First Aid .......................

Rubber Gloves ...... Towels .........................

Cash/Cheques ...... Jewellery .....................

Cooking Utensils ... Essential Tools .............

Bin Liners .............. Bed Linen ....................

Soap ..................... Credit Cards ................

Route Plan .............


U S E F U L I N F O R M A T I O N 1 1

HOMEBUYERS CHECKLIST

CHECKLIST 1 - The Buying Cycle

Enquire about Mortgage availability .................................

Obtain Removal Quote ...................................................

Make an offer on the property .........................................

Exchange Contracts .......................................................

Nominate a Solicitor to act for you ..................................

Completion Date agreed .................................................

CHECKLIST 2 - Essential Contacts

Book Your Removal ..............................................

Electric Company (Final reading at old property) .................

(Connection at new property) ...............

Gas Company (Final reading at old property) ........................

(Connection at new property) ........................

Phone Company (Disconnect at old property) .....................

(Connection at new property) ...................

Water Company (Inform both old and new) ........................

Family .................

School ................

Opticians ............

Bank ...................

Store Cards ........

Council Tax .........

DVLA ..................

Sports Clubs ......

Friends ...............

Doctor ................

Chiropodists .......

Building Society ..

Newspapers .......

TV Licence .........

AA/RAC etc: .......

Hire Purchase .....

Employers ..........

Dentist ................

Vets ....................

Credit Cards .......

Post Offi ce ..........

Catalogues .........

Milkman ..............

Other ..................

CHECKLIST 3 - Important Contacts CHECKLIST 4 - What to take with you on the day of the move

Food and Drink ...... Toys/Children ..............

Medicine ................ Light Bulbs ..................

Spare Clothes ........ Washing Up Liquid ......

Vital Documents .... Eating Utensils ............

Toilet Paper ........... First Aid .......................

Rubber Gloves ...... Towels .........................

Cash/Cheques ...... Jewellery .....................

Cooking Utensils ... Essential Tools .............

Bin Liners .............. Bed Linen ....................

Soap ..................... Credit Cards ................

Route Plan .............


U S E F U L I N F O R M A T I O N1 2

BUDGET CHECKLIST

MONTHLY INCOME FIGURES Gross Nett

Your Monthly Salary ............................................. (A) ........... Your Partners Monthly Salary ............................... (B) ........... Any Overtime/Commission ...................................... ........... Any Other Income .................................................... ...........

TOTAL MONTHLY INCOME ............................... (C) ....... (D)

MONTHLY EXPENDITURE

Gas and Electricity ............................................................................................. Telephone and Mobile Telephone Bills ................................................................ Council Tax ........................................................................................................ Food and Drink .................................................................................................. Entertainment .................................................................................................... Credit Cards and Store Cards ............................................................................ Other Standing Orders and Direct Debits ........................................................... Hire Purchase Payments ................................................................................... Insurance Policies and Pension Plans ................................................................ Travelling Expenses (Petrol/Road Tax/Insurance/Running Costs) ........................ Family Clothing .................................................................................................. Savings for Holidays or Savings Plans ............................................................... TV or other Licences .......................................................................................... Any Other Expenses ..........................................................................................

TOTAL MONTHLY EXPENDITURE ...............................................................(E)

DISPOSABLE INCOME Box (D) minus Box (E) .................................................................................

HOW MUCH CAN YOU BORROW (Guide only)

If based only on your Income (Box (A) multiplied by 36) ............................... If based on Joint Incomes (Box (A) plus Box (B) multiplied by 30) ................ This is an estimate only and should not be relied on to determine how much can be borrowed in individual circumstances or how much you can afford to borrow.


U S E F U L I N F O R M A T I O N 1 3

VIEWING APPOINTMENT RECORD

Date Time Property Address Comments Price £






This Step by Step Guide has been prepared for COULBY CONDUCT of NORTHWICH, WINSFORD and

MIDDLEWICH by GLARIC CONSULTANCY LTD, 58 Hove Road, Lytham St Annes, Lancashire, FY8 1XH

Tel: 01253 714148 Fax: 01253 714149Email: [email protected]

Copyright Glaric Consultancy Ltd 2010. Selected pictures by John Threlfall [email protected]. All rights reserved. No part of this publication may be

reproduced, copied or stored in any way whatsoever without the prior written permission

of the publisher. (01.10)

Whilst it is believed that the editorial features are representative of the businesses appearing in this Step by Step Guide, no responsibility will be accepted by COULBY CONDUCT or GLARIC CONSULTANCY LTD in respect of

any products or services supplied by them.

Coulby_Conduct

Documents

Transcript of Coulby_Conduct