Real Estate Info

Selling property can be one of the most stressful things you will ever do. 90% of people sell through an estate agent so this must be the way to go right?

Well, it depends on time pressure you are under. When selling through an estate agent you will normally have to go through these stages:

1. You need to pay for and complete any renovation and refurbishment necessary (2 to 3 weeks)
2. You will need to conduct multiple viewings (4 to 8 weeks)
3. If your estate agent finds you a buyer, you will need to wait a few months for the buyer to arrange a mortgage (8 to 14 weeks)
4. If the buyer is in a chain, you will need to wait for their home to sell before yours can be purchase (2-3 weeks)

This can take between 4 to 7.5 months! This is a long time in anyones book! It is a also a sad fact that 1 in 3 chains break down at the last moment due. It only takes one person to pull out and the whole chain falls apart.

How to sell in less than 4 months
However, even with these obstacles in mind it is still possible to sell your home in less than 4 months by these following tips (and having luck on your side):

1. Get a reliable, reputable estate agent.
2. Finish off any necessary DIY jobs
3. Thoroughly clean and de-clutter you home
4. Depersonalise your house and go neutral

Point 1 is very important as unfortunately some estate agents are not good. As the Office of Fair Trading said:

“Consumers entering the home-buying or selling process are substantially disadvantaged by the way estate agents currently operate”

Now, in fairness there are some great estate agents out there but they seem to be hard to find. Will you be lucky enough to uncover a good agent? Are you prepared to pay 1.5 - 2.5% +VAT (i.e. the price of a new kitchen) to find out?

So what it the alternative??
One of the more popular alternatives if you need a quick home sale is using a specialist home buying company to help you. They can purchase your property directly from you with out the need to go through an estate agent. You will not have to pay solicitors fees, estate agency fees or for a Home Information Pack. These companies will not offer you the market value of your property (normally 15-25% less) but they can offer you a quick hassle free sale.

Carl Robinson is an experienced property investor and Director of Quick Homebuyers Ltd. If you want a fast home sale visit Quick-Homebuyers.co.uk who can give you a quick cash offer for your property so you cansell your home fast.

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Right now is an awful time to have to sell a house. House prices have gone way down from earlier in the year and there are many more homes for sale than there are buyers. People are reluctant to make such a large purchase in these rough economic times and so sellers need to do everything they can to get their homes sold. Although the prospects are not great, there are some things you can do to get give your house the best chance of getting sold.

One thing you might consider trying is to negotiate with your real estate broker. If you agree to raise your realator’s percentage slightly, he/she will be more motivated to putting in the necessary time to get your house sold. Of course this option is not for everyone and will depend on just how desperate you are to sell your house. If you do rais their percentage, it will give them incentive to hold more open houses on the weekend and to send more flyers out.

Another thing you must do is to advertise your house. You must work to get the word out to as many people that your house is for sale. This is in addition to the work of your realator. There are many ways to advertise your home including advertising in the newspaper, announcement boards at your supermarket, printing brochures and handing them out to everyone, having signs on nearby cross section streets, and telling all your friends.

Another possible source of leads are your neighbors. Make sure all your neighbors in your local community know your house is for sale because they will sometimes know someone who is interested in moving into the neigborhood. Make sure everyone at your church knows your house is for sale as well.

Unfortunately, selling your house in a recession may come down to lowering the price. No matter how much you do to remodel your house and make it look just right may not matter if the price is not low enough. Right now sellers have the upper hand and they know it. If you want to get what you perceive to be the right price for your house, it may just not be possible. It is difficult knowing what your home was worth and could have gotten one or two years ago but unfortunately cercumstances have changed. In today’s market you need to be willing to negotiate and lower the price.

Are you interested in learning more tips on how to sell a house in a recession? If so please go to my website How To Sell A House where you will find advice on how to sell a house fast.

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The property market is currently filled with all manner of houses and flats of varying size and style. The property for sale today ranges so much that before buying, it is essential to recognise your own needs and especially your own budget before setting your heart on a particular type of property. Additionally, different properties will have a range of maintenance costs whilst modern flats, in complexes may incur a service charge on an annual basis.

In the UK today there are many different types of property for sale, ranging from historical cottages and manor houses, to mock Tudor houses and the sublimely stylish art deco premises of the nineteen thirties; in addition to these early buildings, there are also a range of newly built properties to suit the budgets and needs of home buyers. This article intends to highlight some of the differences between these properties to ease the decision making process for home buyers.

The UK is blessed with having many listed buildings for sale. These properties are graded in terms of age and historical importance and as such making alterations to a listed property is usually impossible. Those wishing to buy a listed property are often attracted by the charm and character of such homes; typically they have many period features like timber beams and open fireplaces. In some cases it is even possible to find a home for sale that has played a part in the country’s history; these are often blue plaque buildings that have had a famous resident or are related to a specific event; for instance, in the sleepy town of Thaxted in Essex there are two blue plaque buildings, one was the home of composer Gustav Holst whilst the other was the place of the first Morris Ring meeting.

There are however disadvantages to owning a listed home, maintenance costs are typically high whilst heating bills in old drafty properties are equally as expensive. When looking at buying such a property, it is worth checking all of the sewers, foundations and electrics as in older homes these can be faulty.

Thatched properties are also prevalent in the UK. With so many for sale the appeal of having a quaint thatched cottage is strong with buyers. Thatched properties give a homely, comfortable feel and a picture postcard look. However it is worth remembering that owning a thatched property has its own disadvantages, the cost of replacing the thatch should be a concern although not a major one, these costs are often overstated.

The life expectancy of a thatched roof wholly depends upon the type of material being used, for instance water reeds, the most hardy of the materials used in thatching will only require a complete re-thatch every fifty years, whilst long straw, a less robust material may need replacing every fifteen or twenty years. That said, the roof may need maintenance work every decade or so to keep it in pristine condition. The major problem with the re-thatching process is finding thatchers to perform the task; understandably it is a dying art.

Georgian properties are also in abundance within the UK, with many for sale in urban areas of London and cities like Bristol, Bath and Edinburgh. These buildings have less of the problems of older houses due to the fact the materials used in their construction are considerably more robust. As the one time homes of many of the UK’s cultural and societal elite they are opulent and highly attractive, usually spread over three or four stories including a basement.

The large windows make this type of property light and airy although when looking to buy a Georgian property the heating costs should certainly be considered, the large rooms and ineffectual insulation actively work towards making the houses colder. This cold atmosphere can make damp a problem so when looking around a property, looking for signs of damp should be performed.

Hopefully this article has highlighted some of the historical types of property for sale in the UK. With such a range on offer the home buyer has unrivalled choice in the types of properties to buy. However, as previously stated it is important to study your own budget and means before looking at properties, otherwise it is too easy to overreach yourself and find yourself heartbroken with a property you cannot afford.

Real estate expert Thomas Pretty looks at different types of property for sale in the UK and particularly focusses on historical and thatched houses.

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When it comes to buying real estate, people often have grand ideas of how they are going to negotiate. However, when the situation presents itself, people end up falling short. There are certain things you can do in order to help the negotiation process go your way. That way, you will be able to purchase a new home at a fair price.

The first key to properly negotiating for real estate is being realistic. While negotiations can help bring the price down, they are only going to bring the price down to a certain extent. If you are looking at some property that is out of your price range prior to negotiations, you must understand it will probably still be out of your price range after negotiations.

Therefore, understand the negotiation process and how much it is actually going to help you. Negotiate for a home you can afford so you will not be disappointed. It is never a good idea to purchase something that is out of your means. Look at the homes you can afford, and then you might be able to get an even better deal on such a property through negotiations.

When you are negotiating for the property, do not waste your time or the time of the seller by making an offer that is insulting. Do not offer a price that is too far below the listing price, or the seller will probably not budge at all.

While it is realistic to realize that when you make an offer you will then receive a counteroffer, it is a bad business idea to place an offer too low below the asking price. That is a way to end up not getting the real estate you are looking at.

That being said, the circumstances of the sale can change everything. If someone is facing foreclosure, you will have a lot more room to negotiate. If you find yourself in a situation where you are looking at a property that the seller needs to sell right away, you might be able to negotiate the price down quite a bit. When you know the circumstances, you can then try to negotiate in a different way.

Your demeanor during negotiations is also very important. One of the biggest mistakes people make when negotiating is they are simply too eager. They are so afraid of losing the sale they will jump on an offer even if it is not what they want.

Do not be afraid to counteroffer. The buyer is expecting you to counteroffer, and that is how the negotiation process works. If you appear to be overly eager, the seller is going to pick up on that and they will be less likely to budge.

Proper negotiations are essential when buying real estate. You want to get the best price possible, and negotiations can help you get that. Go into the process using the guidelines and you are more likely to get your Midway real estate at a price that will make you happy.

Art Gib is a freelance writer for PayneSmootGroup.com (http://www.paynesmootgroup.com), a website featuring Midway Real Estate.

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If you need to sell your property quickly there are various options you can take. The 4 main options are:

1. Sell via an estate agent
2. Sell privately
3. Sell via an auction
4. Sell to a cash buyer or specialist home buying company

Which one you chose will normally depend on how great your need is to sell and the price you need to achieve. Although estate agents are normally the best solutions when you have 6 months to wait until your property is sold they do not suit people who need to sell their properties urgently i.e. in the next 1-8 weeks. Selling via an Estate Agent normally 4.5-7 months and then there is a 1 in 3 chance of a broken chain which means starting all over again. Even if you put your property on the market a big discount it is still likely to take you a lot longer to sell this way than via an auction house or through a home buying company (where you are likely to get a similar price).

Selling privately is often not the best solution if you need to sell quick. In fact it is often the worst. By selling privately, I mean doing your own advertising in newspapers and online. People use this method to save on estate agents fees normally but it is normally counter productive when you have time to sell, never mind when you need to sell quick. It is unlikely enough potential buyers will see the property, particularly the ones able to buy it quickly.

Selling via auction is a good option for people needing to sell quick but those selling this way need to understand that they are only likely to get up to 80% of the properties value and sometimes a lot less. Of course you can set a reserve so you do not have to accept offers below a certain level. You also need to be aware that there a auction house fees of 2.5% normally. The advantage is that after the auction takes place the sale is normally completed in a month (if the reserve has been met). It will normally be 1-2 months after you contact the auction house that the auction will take place to allow for marketing the property and potential buyers to carry out due diligence. So in total you would be looking at 2-3 months to sell via this route.

Selling to a specialist home buying company is a viable alternative to an auction house. The advantages to this method is that:
1. The whole process from contacting the company to completing the sale can be done in a month or quicker.
2. There are no estate agent or auction fees
3. Legal fees of 500 GBP are normally paid for you (which normally covers them all)
4. No Home Information Pack required
5. The sale is guaranteed once you agree on a price
6. You have more control over the price as this is negotiated directly with the buyer. If you are not happy just walk away with no money lost.

The price you will be offered from an a specialist homebuyer is normally between 70-80% of the properties value. This is similar to what you would expect from an auction sale although you don not have any fees and it is quicker.

So if you need to a quick sale consider a homebuying company or an auction. If you are not in a hurry use a good estate agent.

Carl Robinson is an experienced property investor and Director of Quick Homebuyers Ltd. He has helped many people looking to sell property for cash or those who want tosell and rent back.

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Selling a property can be one of the most stressful things you can do and unfortunately this event is sometimes forced on people. Due to external factors many people find themselves in a situation where they need to sell their home quickly. The operative word here is need rather than want. Often this is due to financial difficulties, divorce, separation, emigration or the threat of repossession and eviction. In these circumstances selling on the open market via an estate agent is not the ideal solution due to the time it takes.

Selling via an estate agent is the preferred route of most property sellers and accounts for 90% of all sales. The reason why this method continues to be so popular is that it allows the seller to get near the maximum price possible for their property (assuming they are using a good estate agent which is not always the case). Just a quick note on this: the market value and is the price that people are willing to pay for the property. Sounds simple but it is important to distinguish that the value of a property is what people will pay and not what surveyors or estate agent say. Most of us have seen (either on TV or through personal experience) 3 different estate agents value the same property and come up with 3 very different prices. They are guesstimates but many people chose the highest and hold on to this as fact.

Anyway, I digress. Selling via an estate agent normally takes anywhere between 4.5 to 7 months with 6 months being the average. It is also worth bearing in mind that 1 in 3 of these sales collapses down due to chain breaks. The buyer and seller then have to start all over again. So this is not the ideal solution if you need to sell your property quickly. Those who do are increasingly turning to specialist home buying companies as well as the traditional auction route.

Home buying companies can offer the best option to some people who need to sell their homes fast. So what can they offer:

1. Exchange in days and completion in less than a month
2. Guaranteed sale (they buy with cash or have pre-agreed finance in place)
3. Pay sellers legal fees up to 500 GBP (which normally covers total cost)
4. No Estate agency fees
5. No HIP required by seller (as it is a private sale)
6. Many offer option to rent back if you are in financial difficulty
7. Some also offer option to buy your property at a fixed price in the future

That is basically it. You get a quick guaranteed sale with no fees to pay. So what is the catch? Why does everyone not use them? Well the biggest reason why they are only suitable for those needing a quick home sale is that they will only offer to buy properties at a discount. Normally, 20-30% below market value. Therefore if you have a house worth 100,000 GBP they will offer to buy it at between 70-80,000 GBP. They take this discount as they are in a business to make a profit They normally try and make a 5% profit for each purchase. 5% is normally all they get after the costs of buying, marketing, waiting for the property to be resold, and selling costs.

In conclusion, if you need a quick sale and are willing to sell your property at 70-80% of its value then this method is worth considering (it is approximately what you will get at an auction but you will incur more costs selling via this route and there is no guarantee it will sell). If you would just like a quick sale, then your best option is to use a very good estate agent.

Carl Robinson is an experienced property investor and Director of Quick Homebuyers Ltd. If you want are thinking ‘Ineed to sell my property quickly‘ visit Quick-Homebuyers.co.uk who can give you a quick cash offer for your property so you cansell your home in 28 days.

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Whether it’s your first or tenth time finding a place to rent, there are a laundry list of things you want to look for when it comes to finding a rental that not only indulges you but one that you don’t need to call maintenance staff because the sink is leaking every week.

Check all sources to make sure you don’t miss a dream apartment. - Most of the time when looking for rentals you might browse through the typical online classifieds like craigslist or look through online apartment search engines. The multiple listing service real estate agents use also has an inventory of available rentals that may not be advertised anywhere else.

Ask to talk with a current tenant of the building. - Leasing agents will give you plenty of information but at the end of the day it is still their job to help you into a rental in their building. Before arriving be sure to ask the leasing agent if they know of a tenant you could speak with about living in the building. If not just ask a tenant who is walking through the building what they think about it. Tenants are the best source of raw information on management and building maintenance.

Do they allow subleasing? - Things happen and if you think you may not be able to complete your full rental term (typically 12 months or more) then you’ll want to find a rental where the landlord/management company allow subleasing. Subleasing basically means that the landlord leases the home to you and you then lease the home to another person. It’s not too common anymore but it can be a saving grace if you need it so keep the possibility in mind.

Are there any major developments going up nearby? - It doesn’t get much worse than finding a gorgeous rental property with a panoramic view of the river and then five months into your lease you see a new tower developing right in front of your window that’s blocking your view. Find out about any new construction going on in the area before signing on the dotted line.

When was the building last renovated? - Unless the building you are considering is new construction you want to make sure that you aren’t renting an apartment in the early to mid stages of a full building renovation.

How safe is the area? - This might seem like an obvious one but take the full scope of safety into consideration: Will your car insurance be much higher because the the apartment building is in a high crime area? Will you be a prisoner in your own apartment after the sun goes down? Safety statistics can be found on numerous websites including the Census Bureau and City-Data.

Are there any ongoing incentives being offered? - In areas of high competition management companies will offer incentives to renters to choose their building over those of their competitors. Popular rental incentives include one to two months free, no pet deposit or free garage parking.

Thorough research will help you save a ton of money and get you into an apartment rental where you won’t be kicking yourself in six months because you’re miserable. While searching for the perfect apartment be sure to pick up local newspapers and check the paper classifieds. It’s becoming an antiquated approach now that online classifieds are beginning to dominate but you might find an amazing deal on a rental from a local landlord who won’t use online classifieds to market their rentals.

Joshua Ferris specializes in Orange County New York real estate including new home communities and townhouses. To discover more about the area, feel free to check out Josh’s Monroe New York guide and locate homes for sale and for rent using his Orange County NY Real Estate search.

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The slowdown of the property market and the continual need for some owners to sell their properties quickly has seen many more people use the services of specialist homebuying companies. Property buying companies are normally a group of cash funded investors who do not have to jump through the hoops of the normal property buying process. Their ability to attain quick finance and specialist solicitors mean they can purchase property within a month of first seeing it rather than the 4-6 months it normally takes.

They can also offer services that estate agents can not such as flexible completion dates, rent back services and options to buy back. So why does everyone not use them?

Well in return for a buying peoples homes quickly they require a discount on the market value. This is often seen as the main disadvantage of using these companies and it is true that if you want to go the best price for your property you are best selling on the open market via an estate agent.

However, the difference is prices is not as great as many estate agents would have you believe. There are many hidden costs of selling via an estate agent that do not occur when you sell to a home buying company.

Firstly, when you sell via an estate agent you have to pay their costs which is normally between 1.5%-2.5% of the sale price. You then need to add legal costs and the cost of a Home Information Pack. You will have to pay none of these costs when selling to a home buying company as no estate agent fees will be liable, they will pay your legal fees, and no HIP is required as it is classed as a private sale.

Other costs that are not immediately apparent is those of time and buying power. If you sell via an estate agent you could be waiting for months until the sale is completed by which time you may have missed the opportunity to buy the property you wanted. It is also worth noting that if you sell to a home buying company you will have the cash ready quickly to buy another property. This will put you in a far stronger negotiating position to buy your next property as you will not be in a chain and you have the cash ready. This can often lead to a discount on the purchase price.

A quick sale to a property investor will also mean that you will not have to pay interest on your mortgage repayments as you have sold so quickly.

Carl Robinson is an experienced property investor and Director of Quick Homebuyers Ltd. He has advised many people looking for a fast home sale or those who want tosell and rent back.

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Due to circumstances outside of people’s control people often need to sell their property quickly. Problems can often escalate quickly meaning an instant solution is required. When people find themselves in this situation it is hard to know where to turn. The typical stages of the house buying process can often take months and even then 1/3 sales end up incomplete.

These are the 4 normal stages of the house buying process:

1. The Valuation: This purpose of this is to give the buyer an indication of the market vale of your home. This will normally take about a week or two to get booked in.
2. The Survey: Surveys are normally carried out by qualified RICS Surveyors who will thoroughly inspect your home for any signs of current or potential problems like damp, dry rot, roofing issues, subsidence etc. Although the problems may be minor it is often the case that any perceived problems will be given by the potential buyer as a reason to withdraw from the sale or used to drive down the offer price. They justify this by explaining that they will need to spend money on fixing the problems.
3. The Exchange: This is where contracts are exchanged. Some potential buyers will put stringent conditions before exchange of contracts is done. For example, they may insist repair work is done before moving forward or the sale price is reduced significantly. There will also be conditions in this contract about when you need to leave your property (this is normally 28 days after exchange). You will also need to pay your solicitors deposit at this stage.
4. The Completion: After exchange of contracts completion normally takes place in a month or so. However, if the buyer has to sell their property (i.e. they are in a chain) then further delays are possible. Unfortunately, 1 in 3 chains collapse on average. If this happens, you must start the whole process again.

Home buying companies offer an alternative to this process. They can often give you a valuation of your home soon after you contact them and give you a guaranteed cash offer within 2 days. If you accept their offer then they can normally complete at a time that suits you with the average being in 3-4 weeks.

However, you must be aware that in exchange for the quick guaranteed sale you must be willing to accept a discount on your property. Homebuying companies normally buy at a discount of between 20-30% of market value.

Carl Robinson is an experienced property investor and Director of Quick Homebuyers Ltd. If you are considering selling your home quickly visit Quick-Homebuyers.co.uk who can give you a quick cash offer for your property so you cansell your home fast.

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Time to get serious about choosing our next president with the election a mere twelve days away. Who are you voting for and why? In my opinion the housing market will be impacted by the plans of who is elected. Based upon their campaign pledges, here is what to expect.

McCain promises not to raise income taxes on anyone, and has proposed corporate, and capital gains tax cuts that will help struggling companies to keep, and hopefully add jobs. McCain promotes more drilling of domestic oil, and the building of nuclear power plants. On taxes and energy McCain will allow you to keep more of the money you earn to be spent as you choose.

Obama famously said last week he wants to “spread the wealth around”, with his proposal to raise income taxes on families and small businesses earning over $250,000, and he will redistribute that wealth to 95% of American workers by cutting their taxes. This seems more of a promise being made to get elected than what may occur if elected. The Brooking Institute, the Wall Street Journal and many other studies show the numbers don’t add up.

Pelosi and Reid are reported to already have legislation written to rescind the off shore drilling bill recently passed in Congress. Obama says he’s for nuclear power if the waste can be properly handled. This is code for no nuclear power plants. The Navy, France, and other countries recycle their waste. This is an empty argument to pacify environmental extremists. Just as we get relief from $4 a gallon gas the supply would be artificially lowered again which would result in a return to higher prices.

Obama also proposes raising corporate taxes, capital gains taxes, and wants to implement windfall profits taxes on oil companies. The only problem is, corporations don’t pay taxes with their money, they use yours by raising prices. Higher prices would not be welcome during a financial downturn, it would only make the downturn more intense.

The Obama plan could be devastating for job creation. Although Obama claims over 95% of small businesses won’t see a tax increase, that proves to be a false claim according to The Small Business Administration with records indicating over 50% of small businesses earn in excess of $250,000. In 2007 small businesses were credited with adding over 300,000 jobs while big businesses shed jobs. Under Obama’s plan taxes would go up on the only sector creating jobs.

The direction of the country, the economy, the value of your home, and the ability to sell your home will be directly impacted by these tax, and energy policies. The socialist wealth redistribution plans of Obama will stifle investment, cause job losses, and seriously reduce tax revenues to the federal government. To raise taxes during a financial crisis does not make any economic sense, it’s like siphoning gas from your own tank, and expecting to travel farther.

The current slowdown in our local housing market, and the national housing market would be exacerbated if Obama wins, and it looks as if he may. Any home seller that gets an offer from a serious buyer should consider taking the offer while they have the opportunity.

Both candidates plans increase spending after accounting for their proposed spending cuts, and tax proposals. In other words continued deficit spending. This week congressman Barney Frank said deficit spending would have to take a second seat to new spending, and there are plenty of rich people we can tax later to recover that money. Unconscionable in my opinion, however clearly states the Democratic Party’s new plan. Spend then tax.

When you are deciding who to vote for keep this in mind. If Obama wins, and attacks the very businesses that are creating jobs, taxes the rich ($250,000 and up), and promises to give you a tax cut, even if you aren’t paying any income taxes; the old saying “if it sounds to good to be true, it probably is” will come into play. It can’t be done without causing massive job losses, or raising taxes on more than just those earning over $250,000.

If Obama wins, and Democrats control the Senate, and House be prepared for sweeping changes to the left, and an unchecked power to do as they will. The citizens of Springfield, and of Illinois know the economic catastrophe caused in Illinois as a result of Democrats controlling all three branches of state government. It will occur on a much grander scale nationally.

The bottom line is the housing market will be severely impacted. Real estate is, has been, and always will be a supply and demand commodity. When supply is greater than the demand, the very conditions we experience today in Springfield, Illinois, and across most of the nation, we call that a buyers market. Fewer jobs means fewer buyers. More taxes means less money available to be spent on job growth, job retention, goods and services. Looks like we’ll be in a buyers market for an indefinite period of time should Obama win, and implement his campaign promises.

The housing market in Springfield, Illinois, and across the country will not automatically turn into a sellers market if McCain is elected. In Illinois there is a long road ahead due to the paralysis in state government. McCain will most likely be facing the most liberal congress in history, and will struggle to implement any of his plans. That, in my opinion would be better than no checks and balances whatsoever. At least the housing market would have a better chance for recovery.

Fritz Pfister is a licensed Realtor with RE/MAX Professionals Springfield Illinois.
Fritz is a leader in the local real estate market and hosts a live one hour radio program, now in its’ 13th year.
Fritz’s website is
SpringfieldHome.com
Fritz hosts home buyer and home seller seminars that have been attended by hundreds of consumers.
Fritz provides advice that helps consumers succeed in the sale or purchase of homes.

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