Beautiful home offering low-maintenance lifestyle
SALES • LETTINGS • NEW HOMES • COMMERCIAL • FINANCE • P R I VAT E S A L E S • D I R E C T O RY
THERE’S probably no definitive order in which a couple might go about purchasing their first home, but it might go something like this.They begin looking at star ter proper ties – two bedroom homes, two bedroom flats and so on, until eventually they have a preference for the type of proper ty they want to buy.
They arrange a few viewings, and soon find a house that fits exactly what they’re both looking for. Both first-time buyers, they’ve never applied for a mor tgage before, and when they speak to a mor tgage broker, they find that they would only be able to borrow 60% of what they had thought.
For many couples this may be a familiar scenario, and after a lower quoted loan size from a mor tgage broker, often many questions arise that may not be satisfactorily answered.
It is impor tant to know that there is wide variation in the mor tgage affordability calculations carried out by lenders. A recent investigation by ‘This is Money’ found a variation of £200,000 between the lowest and highest indicative maximum loan amounts when putting the same details into 11 high street mor tgage lenders’ online calculators. What this means is that visiting a number of lenders may see buyers able to get maximum loans from the lowest point – three times annual income – all the way up to five times annual income, which could make a huge difference in which proper ties then become affordable.
It’s best to take online mor tgage calculations with a pinch of salt, and instead focus on reducing liabilities for at least three months before applying for a mor tgage. Keeping your monthly outgoings lower will make higher monthly repayments possible, increasing your chances of securing a larger loan.
Gibbs Gillespie has a strategic relationship with The Mor tgage and Insurance Bureau for exper t mor tgage advice. We have nur tured relationships with private and high street banks helping us achieve lending decisions which may be unavailable through other channels. Our knowledgeable mor tgage brokers aim to make financing or re-financing your proper ty y as quick and painless as possible.
PAUL GILLESPIE; 020 8426 1972; pgillespie@gibbs-gillespie. co.uk; www.facebook.com/ gibbsgillespie;Twitter: @ gibbsgillespie
BEAUTIFULLY presented, this three bedroom residence embraces a low-maintenance lifestyle with ultra-contemporary interiors. The accommodation comprises an entrance lobby with door into an inner lobby which accesses the useful storage room, rear garden and kitchen and door into the hallway with stairs rising to the first floor and the modern convenience of a cloakroom. Ideal for family living, the perfectly designed kitchen features bifold doors which open into the enclosed rear garden.The kitchen is of high specification with inset stainless steel appliances. A central island holds an inset hob and wine fridge.Tiled flooring and an exposed brick wall enhance the modern feel of the room.
The beautifully presented reception room features wood flooring and an inset fireplace.
The first floor landing gives access to the master bedroom with sliding door fitted wardrobes, second double bedroom, third single bedroom currently utilised as a nursery and luxury family bathroom with white three-piece suite and tiled walls and flooring.
The paved frontage provides off road parking for two cars.The rear garden features a variety of mature plants and a lawn area.
The property would be ideal for a growing family due to its proximity to several highly regarded schools, including Queensmead School, and South Ruislip’s Central Line station with national rail connection which provides
IMMACULATE:
This extremely well-presented property boasts beautiful and contemporary interiors.
services into London in less than 30 minutes.
Price guide £567,000. Contact Gibbs Gillespie Ruislip Manor sales on 01895 634201.