Lend­ing is on the up


The Herald - Scotland's Homes - - Scotland’s Homes -

While the prop­erty news ear­lier this week re­vealed aver­age house prices fell by £1982 over the year to April 2013, at long last mort­gage con­di­tions ap­pear to be im­prov­ing, which should help to re-bal­ance the mar­ket by boost­ing ac­tiv­ity in the lower price lev­els.

Ac­cord­ing to the Coun­cil of Mort­gage lenders (CMl), to­tal gross mort­gage lend­ing in May in­creased to £14.7 bil­lion, a rise of 21% from April and 17% higher than in May last year, mak­ing it the high­est monthly es­ti­mate for gross mort­gage lend­ing since Oc­to­ber 2008.

Ru­ral mar­ket ex­pands

prop­erty spe­cial­ist CKD Galbraith has merged with hayes Mac­far­lane, a long es­tab­lished farm and es­tates man­age­ment busi­ness based in Aberdeen­shire and Perthshire. hayes Mac­far­lane now be­comes part of CKD Galbraith, tak­ing the com­pany’s net­work of re­gional of­fices to 14.

Good-look­ing move

to a seven-year study re­gard­ing hu­man na­ture and the ways in which beauty and im­pres­sion in­flu­ences buyer be­hav­iour, re­searchers at Colum­bus State univer­sity in the uS sug­gest that us­ing an at­trac­tive es­tate agent could boost the price achieved for your home. how­ever, re­searchers noted

The mort­gage mar­ket seems to have come off life sup­port while a villa in Fife and a dream prop­erty for golfers set pulses rac­ing

that al­though the most at­trac­tive agents made the most money from each sale, they gen­er­ally had fewer to­tal sales and it took them longer to close each sale.

Amaz­ing but true, it took seven years to reach the con­clu­sion that while phys­i­cal at­trac­tive­ness tipped the scales when all things were equal, it all came down to who worked the hard­est and had more skill.

Rock of ages

hOuSe of the week has to be Rock Villa in the pic­turesque fish­ing vil­lage of Pit­ten­weem in Fife. Built in 1747 – orig­i­nally as three, ter­raced fish­er­man’s cot­tages – it has a fore­shore po­si­tion on the rocks over­look­ing the Firth of Forth to­wards Bass Rock and north Ber­wick.

While the lo­ca­tion alone is enough to whet any­body’s de­sire, the house was

Right on course

uP be­ing a golf widow? Black­nest house in Dum­friesshire could bring you and your part­ner closer to­gether – as it stands right in the mid­dle of Thorn­hill golf course. Bet­ter still, the prop­erty is big enough for lots of golf­ing en­thu­si­asts as it in­cludes a farm­house, mod­ern bun­ga­low (both with three bed­rooms) and tra­di­tional steading with scope for busi­ness use or hol­i­day ac­com­mo­da­tion.

GROW­ING SUC­CESS: L-R Colin Ste­wart (Hayes Mac­far­lane), James Galbraith (Chair­man CKD), Tom Ste­wart (Hayes Mac­far­lane), Si­mon Brown (CKD) and Ian Hope (Hayes Mac­far­lane)

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