In other parts of the world, what you pay for property in the UK largely depends on that property’s location. Where a property is situated and what services and amenities are nearby is often more important to property buyers and investors than the state of the property itself. If, for example, you are looking for property in central London then you can expect to pay a premium price for that property. In the north of England and in some parts of Wales and Scotland property prices are often much cheaper.
Before you decide to buy property in the UK it is best to assess why you want the property and what type of property would suit your needs. If, for example, you are moving house to another area because the schools are better in that area then you should expect to pay more for a property than the amount you get for your current property. If you want the property as an investment piece and are thinking of entering the buy to let market then you might not be quite so restricted as someone who needed to buy a property in a certain area of the UK.
There are many different types of property in the UK for buyers to choose from including commercial property. If it is housing that you are looking at then you can choose between detached and semi-detached properties, as well as flats, maisonettes and bungalows. You might decide that you want a particular type of detached property, say one that is in the Tudor style – these are known as mock Tudor. Then you have to decide whether you want a modern detached property in Tudor architectural style or whether you want an actual historic, Tudor home.
One of the main differences is that Mock Tudor homes were built after the nineteenth century and although they have the same black and white exterior the interior beams are there purely for decoration purposes – what is known as half timbering. In Tudor period houses the beams acted as part of the supporting structures.
Most of the Tudor houses that you will find on sale today do not date from the original period of 1485-1603 but are of a much later period, generally the nineteenth century when there was a revival of this particular style. Tudor houses generally have a timbered front and in houses built at the time this timber was part of the structure. The doorways will be lower than normal and arched rather than rectangular. If you are looking for an original Tudor property then these are rarely for sale; but if you should find one then it will tend to be in an area of the UK that was famed for its Tudor architecture – if the building is original then it is probably a listed building which will put all kinds of caveats about what you can and cannot do with the property.
If you are a first time buyer looking for a property then you may come under the new regulations the Government have brought in which encourages mortgage providers to give firs time buyers a longer payback period with a longer term fixed interest – this is designed to make monthly mortgage repayments lower but it can involve extra costs in the long run. Some companies will allow new purchasers to borrow more than the value of their home in order to help with the deposit and with the legal and estate agent fees that are incurred in the first year of buying a property. The Government also runs a number of shared ownership schemes in an attempt to help first time buyers break into the market.
You may not be a first time buyer but a flat owner looking to upgrade to a house. If you are looking at buying a brand new build then you could save money on surveyor’s costs. Some builders are offering good deals to buyers of new property either by paying their stamp duty or offering a cash back bonus when a person moves into the property. Whatever you decide to go for make sure that you have sound legal advice concerning property and property buyer’s rights and obligations.
Property Investment in the UK
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