Your Guide To Moving Home - working through coronavirus
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Your Guide To Moving Home
© Copyright Glaric Consultancy Ltd. 2012
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About MGY
MGY is an independant firm of estate agents and chartered Style and Substance
surveyors which has been established in the Cardiff area for some Our contemporary style and branding has become synonymous
30 years and whether you are looking to buy, sell, rent or let we with high standard market leading services and consequently offers
aim to deliver great personal service backed up by sound local elevated visibility for your property and greater results for us both.
knowledge and specialist expertise. Our offices cover all of Cardiff
and beyond, the north west from our Radyr office and the north Enthusiasm
east from our Birchgrove office, whilst the head office in Cardiff Bay Along with our passion for property, we employ the powers of
covers the centre of the City to Cardiff Bay in the south. listening, understanding and empathy and combine this with energy,
ambition and drive to achieve our client’s goals.
Our clients enjoy a dedicated relationship with us and the finest in
residential property sales marketing, guaranteeing greater results Local Presence
and a better experience. With our strategically placed offices and our extensive first hand
local knowledge, there is no one better placed to represent you and
We are passionate and knowledgable about the area and are promote the sale of your property.
certain that our local presence increases our client’s opportunities
to sell. Buyers
We manage a comprehensive database of buyers who have given
MGY are committed to professional excellence and standards with us their search criteria and matching this with your house very often
qualified staff. The Directors are all Chartered. results in success.
If you are considering selling or letting your property, please
Property Portals
contact us to see the difference we can make.
You can find our property on the following porperty portals:
Why choose MGY?
Trustworthy
As we are governed by the Royal Institution of Chartered Surveyors,
as also the National Association of Estate Agents, surveyors and the
staff are members of the NAEA.
3 © Copyright Glaric Consultancy Ltd. 2012
The MGY Team
Mike Young FRICS Mark Iles MRICS
Managing Director Director
Qualified in 1968 Mike has practiced Mark qualified in 1996 having
in Cardiff all his life as a residential been with us two years previous to
estate agent and as a Surveyor and this and heads up the Commercial
Valuer. Mike continues to carry Agency and Valuation Department
out valuation work, dealing with at our Bay branch. Mark deals
probate and matrimonial matters with all aspects of commercial
with a number of Estates on behalf property within South Wales and is
of Executors and Solicitors. He also also involved with developers and
oversees the three offices daily and developing land both residential
the company has recently become and commercial. He is also
involved with Auction House South involved in assisting the residential
East Wales. lettings due to its growth.
Michelle Bishop Christine Crean
Senior Sales Manager Sales Manager
Our longest serving member of After a long career in sales
staff, Michelle has worked in Christine joined us in 2002 and is
all three branches in different currently branch manager at our
capacities. She currently heads Radyr office. With her extensive
residential sales and plays a key experience and keen interest in
role in the day to day running of property Christine became a Sales
the three offices, together with Negotiator at the Radyr Branch
managing the New Homes section. in 2005 achieving the National
Her son James has also recently Association of Estate Agent
joined us working on a Saturday accreditation and progressed to
at the Birchgrove branch. Branch Manager in 2008.
Cath Evans Stephanie Evans
Sales Manager Sales Manager
With twenty years local Steph started her career with
experience in estate agency, us almost ten years ago as a
Cath has been with us since Saturday girl in the Bay office
2003 and is the branch manager and was subsequently offered a
at our Birchgrove office. Cath full time position in our Birchgrove
is a member of the National branch as sales negotiator. Her
Association of Estate Agents and broad skills and local knowledge
has recently gained a number of are put to very good use in her
qualifications. current role as residential sales
manager.
Annmarie Jackson - Cardiff Bay Kathy Challinor - Radyr
Residential Lettings Manager Residential Lettings Manager
Annmarie joined the residential This is Kathy’s second time around
lettings team in 2010 after many with us as she came to work in our
years working within the retail survey department for four years
industry. She has increased her before leaving to pursue a career
knowledge enormously of the in residential lettings. Kathy
area and her awareness of the returned to us in 2007 to head up
business within Cardiff Bay and the lettings department covering
the City Centre. In her spare time all three offices where she has
she enjoys walking her two dogs increased the managed properties
on the beach and cooking for her from around sixty to over three
family. hundred.
© Copyright Glaric Consultancy Ltd. 2012
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Lettings, Rentals and Property Management
Welcome To MGY Lettings In this way we can ensure that the most suitable tenant for your
Being one of Cardiff’s oldest established Estate Agents and needs is found with the minimum of delay.
Chartered Surveyors, MGY property management have built a
sound reputation based on the professional service provided by our Finding Your Perfect Property
team of friendly staff. If you are seeking a property to rent, we offer unrivalled coverage
across the area and usually have a varied list of properties
Our Services available.
We are able to offer a full range of services for Landlords including
property letting, rent processing, tenancy management, property Our independent referencing procedure usually means that your
repairs and maintenance, inventories and property visits. application can be processed in a matter of days ensuring the
minimum of delay before you move.
We maintain a fully audited client’s account under Law Society
rules to provide complete security for your rent and we pay rents Most important of all, we value your custom and we will do our best
daily to avoid unnecessary and annoying delays before you receive to exceed your expectations. If you require any further advice or
payment. information, please call into your local branch.
Your property will be expertly marketed via our own web site www.
mgy.co.uk and through www.rightmove.co.uk as well as appearing
in our local advertising.
2 © Copyright Glaric Consultancy Ltd. 2012
MGY Commercial
As one of the oldest established Estate Agents and Chartered We also manage the provision of those all-important Energy
Surveyors in Cardiff, we do offer a full professional service without Performance Certificates as well. As members of RICS (Royal
any compromise. Institute of Chartered Surveyors) you can be sure of best practice.
When it comes to the world of commercial property we can offer We offer a complete range of surveys and valuations for
you a wealth of experience coupled with all the advantages of commercial and residential property requirements.
modern technology.
Amongst the many options we can offer, we undertake market value
Like the rest of our business a personal service is our focus which is for buyer, probate valuations and matrimonial valuations.
why our customers stay customers and recommend us to others.
We can also assist with valuations for tax purposes, market
If you have interest in a commercial or development property and appraisals for sales and lettings, boundary disputes and expert
are looking to acquire or dispose of a property via sale or letting, witness information.
put our expertise to the test and let us do the hard work.
Whatever your need, commercial or residential, we have the right
solution to provide you with the information you require.
MGY Surveys and Valuations
Never second guess! MGY have a survey and valuations service to
assist vendors and buyers when making a property decision.
© Copyright Glaric Consultancy Ltd. 2012
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Getting the Best Mortgage for you
Whether you are buying your first house or moving home, financing As an independent financial adviser, Gareth provides advice on
the purchase of a property is always a primary concern. Niche Insurance as well as Mortgages (and a range of other areas). Quite
Chartered Financial Planners provide mortgage advice which is often insurance advice goes hand in hand with mortgage advice as
tailored to you and your individual circumstances. you will need to consider insuring your property and its contents,
and protecting your mortgage in case anything should happen to
At any one time there can be hundreds of mortgage products you.
available and therefore it is very easy to get confused by the
different options that are available. A high street bank or building Niche Chartered Financial Planners provide advice on a wide range
society will be restricted to providing advice purely on the products of financial aspects including Pensions and Retirement Planning,
they provide, and therefore you may miss out on a more appropriate Savings, Investments, Estate Planning and Wills, Inheritance Tax and
mortgage for you. Probate, Care Fees and Equity Release.
Niche provide advice on mortgages from across the whole mortgage They are there to help and advise on all aspects of finance, so
market and have the ability to look at all the offers available and whatever your needs, you will be well advised to contact Niche and
choose the one which best suits your circumstances. give them a chance to prove their worth.
Gareth Shears is a qualified financial adviser and is highly YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP
experienced in providing mortgage advice. An initial consultation REPAYMENTS ON YOUR MORTGAGE.
(at no charge) with Gareth will answer any questions you have
about the home buying process, your ability to get a mortgage and
will leave you feeling safe and confident about the process ahead
of you.
Contact Gareth Shears for a free initial consultation
Tel: 02920 007 069
Mobile: 07974 407 480 Niche Independent Financial Advisers Limited is authorised and
Email: gareth.shears@nicheifa.co.uk regulated by the Financial Services Authority, FSA No 472635.
Registered in England and Wales at Rizla House,
www.nicheifa.co.uk Severn Road, Treforest Industrial Estate, Pontypridd,
Rhondda Cynon Taf, CF37 5SP. No 5303093.
4 © Copyright Glaric Consultancy Ltd. 2012
© Copyright Glaric Consultancy Ltd. 2012
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6 © Copyright Glaric Consultancy Ltd. 2012
Offering the best legal advice when you are moving home
Buying a home is for most of us the biggest financial transaction we They will never compromise on service, their aim is to use their
will be involved in, in our lifetimes. It is a big moment and needs to considerable experience and expertise to alleviate any of your
be handled by a professional if all is to go according to plan. concerns by being proactive and responsive to your individual
needs.
Cutting corners to save money is often storing up trouble for the
future which could end up costing you far more in the long run. They recognise that each and every client is different and there is no
assembly line mentality to the conveyancing process. They offer a
Evans & Jones Solicitors have been established for a number of straight forward common sense service which explains everything in
years and the practice is keen to provide a first class service to their plain English.
clients.
You can expect to be regularly informed on the progress of
The partners, Dalia Evans and Rhian Jones provide the experience your transaction which will keep you up to date with the latest
and technology of a large firm with the friendliness and flexibility developments. They have invested in the latest technology which
more often associated with a high street practice. helps them provide a first class service.
They have gained a reputation for the quality of their service based Your change in circumstances is also the ideal time to look at your
on their understanding and commitment to fulfilling their client’s will and how this might have changed. The legal costs in producing
wishes. wills are often much less costly than their clients expect.
A large number of clients use them time and time again with many If you are about to buy, sell or remortgage your home, or you need
more coming from direct recommendations. to look at your will, you want it to be handled by professionals.
Evans & Jones will always treat you as an individual, contact them
today and you will be pleasantly surprised.
ej evans&jones
solicitors - cyfreithwyr
8b Station Road, Radyr, Cardiff, CF15 8AA
Tel: 02920 020 909
Fax: 02920 844 543
Email: dalia.evans@evansandjones.co.uk
rhian.jones@evansandjones.co.uk
www.evansandjones.co.uk
© Copyright Glaric Consultancy Ltd. 2012
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Robertsons Solicitors - A friendly face in times of need
Robertsons Solicitors are a progressive firm of solicitors who The house buying and selling process can be a minefield and there
have over 100 years of experience across a wide range of legal are a host of different processes which have to be covered.
services, including helping people buy and sell property.
Robertsons will keep you informed of each step and make sure that
They have two strategically situated offices. One can be found you understand just what is happening.
in the centre of Cardiff at Park Place and the other in the Vale of
Glamorgan in Barry. This is just an example of how the practice views the relationship
between their clients and themselves. It is a partnership where
The practice appreciates that people are individuals and have everyone benefits from the final outcome.
their own special needs. They also respect the fact that to attract
new clients, they must be progressive in their approach and They are not only able to offer advice and guidance on
understanding in their attitude. Conveyancing, they also offer advice on Commercial Property,
Site Development, Litigation, Personal Injury, Employment, Debt
Their aim is not just to serve the needs of their clients on a one off Collection, Crime and Matrimonial.
basis, but to encourage the client to return to them whenever they
need specialist legal advice. For a complete overview of all their services, visit their web site,
www.robsols.co.uk.
Like all good solicitors they recognise the need to specialise and
Robertsons have dedicated teams of professionals able to offer Robertsons have learnt over the years that situations in life are
specialist advice across a broad range of legal issues. rarely black and white which is probably why they believe that
they are a law firm who really stand out from the crowd.
Where Conveyancing is concerned, the practice has extensive
experience and is able to offer a wide range of advice on all
aspects.
6 Park Place, Cardiff, CF10 3RS
Tel: 029 2023 7777
Fax: 029 2034 0219
Email: enquiries@robsols.co.uk
www.robsols.co.uk
8 © Copyright Glaric Consultancy Ltd. 2012© Copyright Glaric Consultancy Ltd. 2012
910 © Copyright Glaric Consultancy Ltd. 2012
Berry Smith – Putting you first
Straight talking, pure and simple is precisely what you will get from Where conveyancing is concerned, you will find the purchase or
Berry Smith Solicitors. sale of a property is an area the practice have perfected and should
prove to be efficient and effective.
The difference is that they communicate openly, regularly and most
important of all, in a straight forward manner. Complicated legal You can be entirely confident with the advice you receive from Berry
language that bamboozles and confuses is not for them. Smith. They have specialists trained and experienced in almost
every aspect of the law.
They deal with each case individually and will treat you as an
important person. They appreciate the difficulties you may be faced It means they have expertise in a large number of areas, and can
with and will treat your case with sensitivity, confidentiality and help you whatever your issue or concern.
above all, respect.
For a complete overview of all the disciplines available from the
They always try to go that little bit further to help produce a practice, please visit their web site www.berrysmith.com.
successful outcome. Their sole aim and objective is to make life If you cannot find an indication of what you need on their website,
easier for you. please contact them so they can discuss your precise requirements or
send them an e-mail.
The practice has countless years of experience and has built an
outstanding reputation for helping people from all walks of life. Berry Smith are proud of their heritage, their philosophy and their
attitude to their clients.
Today, Berry Smith is a modern, full-service law firm with four offices
based in Cardiff, Bridgend, Bristol and London. At the end of the day it is all about trust and with Berry Smith, you
will find they have a straight-talking approach and the highest
They provide high quality legal advice on the broadest range of standards of legal service and legal expertise.
issues for you personally, for business and all kinds of organisations.
Haywood House, Dumfries Place,
Cardiff, CF10 3GA
Tel: 029 2034 5511
Fax: 029 2034 5945
Email: info@berrysmith.com
www.berrysmith.com
© Copyright Glaric Consultancy Ltd. 2012
11Innovative bathroom design by Thomas Gardiner
Every year thousands of homeowners make the decision to refurbish Thomas Gardiner pride themselves on being able to see your project
their property and enhance their quality of life by having a new from concept through to completion with their design, planning and
bathroom or en-suite installed. The family spends a great deal of full installation service. If you already have your own builder you
time in the bathroom so this investment makes complete sense. can take advantage of a supply only service as Thomas Gardiner
will cater for all requirements and budgets.
Thomas Gardiner Bathrooms is a family run business with over 30
years experience in the industry and is working hard to maintain For further details or to book an appointment with one of their
their position as one of the leading independent bathroom specialists designers please call into their Cardiff Showroom.
in Wales.
Their Cardiff Showroom highlights their individuality and carefully
selected portfolio of design enhanced products including sanitary
ware, furniture, lighting, flooring and tiles.
485 Cowbridge Road West, Culverhouse Cross,
Cardiff, CF5 5TG
Tel: 02920 679 815
Fax: 02920 679 831
Email: sales@thomas-gardiner.com
www.thomas-gardiner.com
12 © Copyright Glaric Consultancy Ltd. 2012© Copyright Glaric Consultancy Ltd. 2012
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Your best choice for Windows, Doors and Conservatories
Contact with Riverside PVC Products is highly recommended for They will create an image showing you exactly how your new
anyone who is contemplating replacement windows, doors or windows, doors or conservatory will look. They will also provide a
possibly a new conservatory. no obligation comprehensive quotation for your consideration.
The business which has many years experience are rightfully proud Other products available are the increasingly popular bi-fold doors
of the excellent reputation they have built up, with thousands of which offer the ideal solution for conservatories, sun rooms or to
satisfied customers throughout the South Wales area. anyone who wants a generous opening into the garden.
They must be regarded as one of the area’s leading suppliers and Their insistence on quality products and service means that they
installers and like any successful business, they continually receive firmly believe that their products do offer the best value for money.
recommendations from their customers, which speaks volumes for the
extremely high quality of their products and workmanship. There is no doubt that Riverside are one of the most professional
businesses of their type and for anyone who is thinking about
They offer a free consultation and design service and all their improving their home, they are definitely worth contacting.
installations are completed by their own teams of qualified
professionals. They also have a sister company TNK Property Maintenance who
offers their customers a full home maintenance service.
All their products have a guarantee and as accredited members of
“Rated People” they can offer their customers added security in the For a full list of all the services available, you are invited to contact
knowledge that they are openly monitored. them on the details shown below.
After discussing your requirements and listening to your ideas, their
experienced designers will offer you advice and guidance whilst still
maintaining and including your own visions.
91 Bridgend Road, Bridgend, CF32 9BA
Tel: 01656 724 015
Email: mailto:sales.riverside@aol.co.uk
Web: to be advised
TNK Property Maintenance
Tel: 01656 728 727
Email: tnkproperty@aol.co.uk
© Copyright Glaric Consultancy Ltd. 2012
15Interior Design working for you
Do you need to improve the image of your property for sale or They offer a complete interior design service supplying and fitting
have you just moved in? Do you need to look at the whole house, bespoke curtains and blinds, wallpapers, furniture and floor
transform a room or simply add those special finishing touches? coverings. For those special finishing touches that turn a house into
a home they also source mirrors, pictures, lighting and accessories
Employing an interior designer has never been more accessible or from brands often not found on the high street.
affordable. Ultimately they can save you time and money, avoiding
expensive mistakes. They see any project as a partnership between themselves and you.
Their friendly approachable team will explore with you an innovative
Established over fifteen years ago Sunrise Interiors have an array of ideas, then manage the project to create your perfect
impressive portfolio of national developer clients including interior.
Waterstone Homes, Bellway Homes, Barratt and Taylor Wimpey
who value their expertise. They also work with individual private Please look at their inspirational website and give them a call for an
property developers and residential home owners who return again informal chat.
and again for their valuable service.
Unit 14, Kenfig Industrial Estate, Margam,
Port Talbot, SA13 2PE
Tel: 01656 746 777
Fax: 01656 743 888
Email: sales@sunriseinteriors.co.uk
www.sunriseinteriors.co.uk
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Turning your ideas into reality
There can be little doubt that any room in our home can be totally In addition to soft furnishings they display a wide range of blinds
transformed through the thoughtful use of fabrics, however, and are able to offer solutions for those unusual shaped windows.
selecting the correct choice of colour and materials can be They are also able to source furniture, lighting, mirrors and
daunting. home accessories from their extensive library. If you are looking
to update a much loved piece of furniture they will happily re
Today’s modern living, demands leading edge as well as upholster this for you!
traditional materials and Haus Contemporary Furnishings offer
a wide range of fabrics, curtain poles, blinds, wallpapers and Whilst the quality of the products and workmanship is of the
accessories to suit the most discerning of tastes. highest level, the business is also proud of the fact that the prices
are very realistic and will help you achieve your ideas at a price
All their curtain and soft furnishings are made to measure in their you can afford.
own specialist workroom to ensure the finished product meets all
your requirements and specific needs. They have many years of experience and enjoy an enviable
reputation with many repeat customers.
The business is run by Gail and Vivian and together they are
happy to help and to advise any customer, irrespective of whether Quality, value for money and personal service are very important
they are thinking of changing just one window, or even a complete to both of them as many customers have discovered. Why not visit
house. Haus and let them transform your home.
Sometimes a home visit can be beneficial as this will give them
an insight into your home and lifestyle and helps them to create
the right scheme to suit your personal needs and budget.
Consultations are a free service and appointments can be flexible
to suit any busy schedule.
6c Heol-y-Deri, Cardiff, CF14 6HF
Tel: 02920 611 372
Email: info@haus-cardiff.co.uk
www.haus-cardiff.co.uk
© Copyright Glaric Consultancy Ltd. 2012
19Classic Choice Furnishings, for those seeking
the ultimate in quality sofas
Finding the right sofa in the right finish and more importantly the Their bespoke sofas will bring luxury designer elegance and
right size and style can be a problem. That is until you visit Classic comfort into your home. The current range now includes Classic,
Choice. Contemporary and more visionary models of sofas that set them
apart from their competitors.
They are pleased to offer the finest leather bespoke sofas as well as
an extensive range of exciting fabric covered sofas and suites, some They have exciting new models including Kensington, Tamara, Flare
with removable covers. and a new 3 or 2 seater sofa Rio and Copa, which compliment their
existing range.
Whether it is a leather settee chair or fabric sofa, classic choice
manufactures their own quality bespoke items. They have customers the length and breadth of Britain and always
listen to their feedback. They put a great deal of emphasis on their
As sofa manufacturers they can provide a variety of sofas, all made customer service and value their close relationships.
to order and delivered directly to your door.
They welcome visitors to their factory and showroom at Bridgend or
All their bespoke sofas are carefully and lovingly, hand crafted see them at one of the many exhibitions they attend. Full details can
in Wales. They employ a combination of the finest time-honoured be found on their web site.
traditional methods and modern manufacturing techniques to ensure
that your sofa is comfortable and long lasting. You are invited to look at their product range on their online sofa
shop.
Classic Choice Furnishings proud tradition as leather and fabric
sofa manufacturers means they only sell sofas direct and cut out the Anyone with questions should email them or ring customer services.
middlemen. This way they are able to offer you a leather or fabric They will be only too pleased to forward printed brochures of
sofa at factory prices. their extensive range of leather settee sofas and sample material
swatches for your guidance.
Classic Choice Furnishings
Unit 1, Brynmenyn Industrial Estate,
Bridgend, CF32 9TD
Tel: 01656 725 111
Fax: 01656 725 404
Email: sales@classicchoice.co.uk
www.sofa-by-design.co.uk
20 © Copyright Glaric Consultancy Ltd. 2012© Copyright Glaric Consultancy Ltd. 2012
21What do you need to know about the Sales Process?
The process of selling a property may to many appear complicated, Once all the searches and other details have been agreed, a
lengthy and drawn out, however, the following paragraphs will help contract for the sale will be put together and will be exchanged, this
you to better understand what happens. is known as ‘the exchange contracts.’
Before you take the decision to put your property on the market, This is also the point at which a completion date will be arranged
you would be well advised to instruct a Solicitor or Conveyancer to with the buyer.
handle your conveyancing.
On the agreed completion date, the appropriate funds will be
The majority of people will not speak to a Solicitor until they have transferred from the buyer’s Solicitor to your Solicitor and when
received an offer, however this can have the effect of delaying the this has been confirmed you will pass over the property keys to your
entire process. buyer.
When you have received and accepted an offer on your property, Never hand over the keys until your Solicitor has told you that the
the buyers Solicitor will send a letter confirming that your buyer transfer of funds has been completed.
has mortgage approval in principle.
You should never at any time attempt to conceal information and
As part of the conveyancing process, you or your Solicitor may should answer any questions honestly and to the best of your
be asked questions about your property or you may be asked to knowledge.
produce documentation supporting any information you provide.
Any communication must be through your Solicitor and your estate
Your buyer’s Solicitor will also commence the legal and local agent. Never communicate with your buyer’s Solicitor or with your
authority searches legally required for a sale. prospective buyer.
These will confirm your legal right to sell the property which is called The process is involved and it needs to be if your best interests are to
‘Evidence of Title’ and will also confirm the boundaries of be safeguarded. MGY the estate agents are here to help every step
the property. of the way.
22 © Copyright Glaric Consultancy Ltd. 2012Homebuyers Checklist
Checklist 1 - The Buying Cycle
AA/RAC etc:
Enquire about Mortgage availability
Hire Purchase
Choose Agent & Solicitors
Employers
Once sold make offer on property
Dentist
Obtain removal quote
Vets
Exchange contracts
Credit Cards
Checklist 2 - Essential Contacts Post Office
Book Your Removal Catalogues
Electric Company (Final reading) Milkman
Electric Company (New connection) Other
Gas Company (Final reading)
Checklist 4 - What to take with you on the day of the move
Gas Company(New connection)
Vital Documents
Phone Company (Disconnect at old property)
Food and Drink
(Connection at new property)
Medicine
Water Company (Inform both old and new)
Light Bulbs
Spare Clothes
Checklist 3 - Important Contacts Washing Up Liquid
Family Eating Utensils
School Toilet Paper
Opticians First Aid
Bank Rubber Gloves
Store Cards Towels
Council Tax Cash/Cheques
DVLA Jewellery
Sports Clubs Cooking Utensils
Friends Essential Tools
Doctor Bin Liners
Chiropodists Bed Linen
Building Society Soap
Newspapers Credit Cards
TV Licence
© Copyright Glaric Consultancy Ltd. 2012
23What costs can you expect in the sale or
purchase of a Residential Property?
It is inevitable that when you buy or sell a property you will attract • The Valuation Report only covers the mortgage provider. It will
costs and you will find listed below the majority of those applicable. not tell you about any structural defects or other problem areas
which could undermine your investment.
The actual amounts will vary and are dependent upon the price of
the property being sold or purchased. • The HBSA is a more detailed report and whilst costing a little
more does provide a much more in depth analysis of your proposed
Selling a Residential Property purchase.
Estate Agents Costs – These are calculated as a percentage of the
sale price. When you first put your property onto the market, your • The Structural Survey is advised for older property or in areas
agent will have agreed with you a percentage commission which where there are known problems, such as subsidence.
would include all the marketing and advertising activity associated
with selling and promoting your home. MGY Chartered Surveyors will be happy to advise you.
Energy Performance Certificate – This is now a legal requirement Mortgage Booking/Application Fee – This is a fee levied by your
and your agent will arrange to have this carried out. Costs will be mortgage broker for setting up the mortgage and acting on your
relevant to the size of your property. behalf. The cost can vary, but will be identified at the start of the
process.
Legal Costs – These are associated with all the work your Solicitor
will carry out during the conveyancing process and will be agreed Stamp Duty Land Tax – This is a variable percentage which is
before you instruct them. payable to the government and is based on the selling price of your
property. Currently the rates are 0% for properties under £125,000,
Purchasing a Residential Property up to 7% for properties over £2,000,000. Full details can be found
Deposit – Once again a variable, however, this is the amount your on www.hmrc.gov.uk/sdlt/intro/rates-thresholds.htm.
mortgage provider will require you to pay as a down payment in
order to obtain your mortgage. There may be other costs associated with the purchase of a property,
however, the ones listed above are the major areas you should be
Mortgage Valuation/Survey – This is an area you need to think aware of.
about as you have three options.
24 © Copyright Glaric Consultancy Ltd. 2012Budget Checklist
Monthly Income Figures Monthly Expenditure
Gas and Electricity
Your Monthly Salary
Telephone and Mobile Telephone Bills
Partners Monthly Salary
Council Tax
Any Overtime/Commission Food and Drink
Entertainment
Any Other Income
Credit Cards and Store Cards
Total Monthly Income (A)
Other Standing Orders and Direct Debits
Hire Purchase Payments
Disposable Income
Box (A) minus Box (B) Insurance Policies and Pension Plans
Travelling Expenses
Your mortgage provider will advise you how much you can (Petrol/Road Tax/Insurance/Running Costs)
borrow.
Family Clothing
This is dependant upon a number of issues: Size of deposit, Savings for Holidays or Savings Plans
monthly expenditure etc.
TV or other Licences
Any Other Expenses
Total Monthly (B) (E)
© Copyright Glaric Consultancy Ltd. 2012
25Advice to people selling property
Selling your property quickly and gaining the best possible price has Advice to people viewing property
got to be a priority for any prospective vendor and there are a few There are very few purchasers who buy the home of their dreams
simple steps which you can take to improve your chances greatly. 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.
First impressions are very important, your prospective purchaser will
form an opinion within thirty seconds of drawing up outside your The best way to view a property is to use the viewing record page
property. in this guide. List all the positive and negative points of the property
and your feelings about it.
So make sure your garden is kept tidy, a well kept garden usually
looks larger and needing less maintenance than an untidy one. 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
A fresh coat of paint can work wonders to improve the appearance businesses featured in this guide are there to help you do this.
of your front door and window sills. Make sure the interior of your
home is free of clutter. At the end of the day the choice is yours, however, over the years we
have all seen so many property transformations which have taken
The smell of flowers can make a room feel more welcoming as can a a sad and dilapidated property and turned it into a home anyone
warm home in winter, so open windows in the summer. would be proud of.
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.
This Guide to Moving Home has been prepared for MGY of Cardiff Bay, Radyr and Birchgrove by
GLARIC CONSULTANCY LIMITED, 58 Hove Road, Lytham St Annes, FY8 1XH
T: 0845 1300 556 E: glaric@aol.com W: www.glaric.com
Copyright Glaric Consultancy Ltd 2012. 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. (12.12)
Whilst it is believed that the editorial features included in this Guide are representative of
the businesses appearing, no responsibility will be accepted by MGY or
GLARIC CONSULTANCY LIMITED in respect of any products or services supplied by them.
26 © Copyright Glaric Consultancy Ltd. 2012Viewing Appointment Record
Date Address Price Comments
© Copyright Glaric Consultancy Ltd. 2012
27Notes
28 © Copyright Glaric Consultancy Ltd. 2012Telephone Numbers to keep at hand
Health Services Animal Welfare
Cardiff Royal Infirmary 029 2049 2233 RSPCA (24 Hour Hotline) 0870 555 5999
University Hospital of Wales 029 2074 7747
Rockwood Hospital 029 2041 5415 Travel Information
NHS Direct 0845 46 47 Cardiff International Airport 01446 711111
Bristol International Airport 0870 125 2747
Emergency Services Travel Information (bus, coach, etc.) 0870 608 2608
South Wales Police 029 2022 2111 Eurostar 0870 518 6186
South Wales Fire Service 01443 232000 National Rail Enquiries 0845 748 4950
County & Local Councils Libraries
Cardiff Council 029 2087 2000 Cardiff Central Library 029 2038 2116
Vale of Glamorgan Council 01446 700111 Canton Library 029 2022 9935
Catheys Library 029 2038 2172
Utilities, Conservation & Recycling
Water ( ) Local Trading Standards
Gas ( ) Cardiff Council 029 2087 2000
Electricity ( )
Gas Emergencies 0800 111999
British Telecom - Moving House 0800 800150
Floodline 0845 988 1188
Environmental Emergencies 0800 807060
Environmental Agency 0845 933 3111
Waste Watch Wasteline (recycling enquiries) 0870 243 0136
Energy Efficiency Advice Centres 0800 512012
My numbers
Estate Agent Bank
Solicitor Mortgage Advisor
Cleaner
Personal Numbers
Electrician
Plumber
Handy Man
Man and Van
© Copyright Glaric Consultancy Ltd. 2012
29www.mgy.co.uk
Cardiff Bay
Colum Buildings
13 Mount Stuart Square
Cardiff Bay
Cardiff
CF10 5EE
Sales: 029 2046 5466
Rentals: 029 2047 5191
Commercial: 029 20475192
Fax: 029 2048 0715
Email: bay@mgy.co.uk
Birchgrove
116 Caerphilly Road
Birchgrove
Cardiff
CF14 4QG
Tel: 029 20529026
Fax: 029 20617922
Email: birchgrove@mgy.co.uk
Radyr
6 Station Road
Radyr
Cardiff
CF15 8AA
Tel: 029 2084 2124
Fax: 029 2084 4723
Email: radyr@mgy.co.uk
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