Posts

I’m Divorced & Need To Sell My House Quickly

I’m Divorced & Need To Sell My House Quickly

‘My divorce is dragging out due to a shared mortgage, can you sell my house quickly?’

So your marriage has ended and now you want to sort out your affairs, put the past behind you, plan your future and move on.

Okay.

But there is a problem. There is a house to be sold and in view of all the other important issues to be resolved, the traditional estate agent/surveyor/solicitor route – which can be ponderous, tedious, expensive and prone to setbacks at any of the many stages involved – may not best serve your purposes .

So is there an alternative? Mercifully, yes.

Fast House Sale NI recognise that divorcing is a difficult enough process. They’re often asked, ‘can you sell my house quickly?’

They know it can be very painful and that it may turn nasty, sometimes descending  into something rather spiteful and vengeful where the emotion-charged desire for retribution begins to override the need for composure and a common sense approach in everyone’s best interests.

Experience has taught Fast House Sale NI that divorce is one of the principal reasons for enquiries about their service.

There is nothing complex about the procedure. The name is self-explanatory; Fast House Sale NI do what they say. They buy for-sale houses in Northern Ireland – quickly.

How? By cutting out as many as possible of the steps which slow the process down. And it is remarkable how much time and money – your money – can be saved by doing away with middle men.

So as well as being fast, it can be cost-effective. In other words, ideal for anyone who is divorcing.

Examples of some of those intermediate steps you avoid? Here is a list – and it’s not even exhaustive  – of a solicitor’s tasks ahead of completion:

Preparing and sending a sale contract with the ownership documents on loan to the buyer’s solicitor.

Helping the seller complete detailed disclosure questionnaires.

Applying for property certificates from the Department of the Environment and local council.

Applying for Bankruptcy and Court Judgement searches against the seller.

Applying to the Land Registers for searches against the seller to make sure all outstanding mortgages or registered debts are taken into account.

Then there is having the seller complete and settle detailed lists of fixtures, fittings and contents included or excluded from the deal.

Ensuring the seller has an Energy Performance Certificate.

Obtaining exact details of debts owed to the lender, estate agent, ground landlord and others in preparation for discharge on completion.

Considering any amendments to the contract after the buyer has signed once the contract has been received back from the buyer’s solicitor and settling any problems which have arisen.

Having the contract countersigned by the seller and put into legal effect by faxing a copy of the contract to the buyer’s solicitor.

Having the seller sign transfer documents in preparation for completion.

Then on completion day paying off all mortgages and charges against the property and applying for release documentation.

Informing the Rates Office of the buyer’s name and forwarding any refund to the seller.

Accounting to the seller for the net proceeds of the sale after debts and expenses are paid off.

Completing the registration of release documentation to free the property from previous debts.

And, finally, closing the solicitor’s file and storing it for 12 years in case of future disputes.

Phew!

With Fast House Sale NI there are no such delays. Because it’s Fast House who buy the property, there is no waiting for a would-be buyer to sell their home before being able to complete the process. And with no estate agents involved there are no advertising costs, fees or commission to be paid.

Typically, Fast House Sales NI offer up to 80% of the current market value, though on occasions offers in the region of 85% have been made. This makes it a very good option for somebody who wants their cash quickly. Like a divorcee.

No delays, no viewings, no outlay, no hassle and a guaranteed 80% in your pocket right now.

It’s quick, it’s easy and there are no hidden costs.

Fast House Sale NI make an offer and pay all the other bills relating to the house sale.

With no legal fees and no estate agent’s costs, that’s all money saved.

And while it’s usually a six-eight weeks process, there have been examples of completion within four weeks.

And with no For Sale boards or adverts, discretion is guaranteed.

When the deal is done and the handshakes exchanged the cash is lodged in your bank account. Worst case scenario? Eight weeks.

So, ‘can you sell my house quickly?’ Yes, they can!

So if you are divorcing and need to sell your house quickly and discreetly, contact Fast House Sale NI. Now.

Is A Shark Promising To Sell My House?

‘Is A Shark Promising To Sell My House?’

There are all manner of reasons which can prevent or delay the sale of a property.

The state of the market, the preponderance of similar properties, the availability or cost of mortgages, the price you are asking and the condition of what you are trying to sell are just a few of them.

At this stage, the cost of mortgages ought not to be an issue. With the base interest rate continuing to creep along the fiscal ocean bed at an all-time low, mortgages have never been more affordable.

Currently the property market is stable, albeit that no-one is quite sure of what the future may hold in the wake of the Brexit vote. Meanwhile houses continue to sell.

So if you cannot attract a buyer, you have got to ask yourself why that might be? Is your asking price unrealistically high? Has it been marketed properly? Is the property in a bad state of repair? Could location be an issue? Honest answers will serve your purpose best at this stage….

If you are divorcing, emigrating, need to clear debts or have inherited a property, you could benefit from selling quickly rather than via the normal estate agent, surveyor, bank/building society, solicitor, route.

A Fast House Sale is carried out much more quickly than that, not least because it is guaranteed to be problem-free.

How?

Simply because the process entails removing all of the intermediary steps and players, thereby enabling a smooth, swift, start-to-finish transaction.

A Fast House Sale minimises the stages at which things can become ground down. The roles of surveyors, lenders and solicitors are eradicated, making for a totally straightforward process.

So for anyone who needs to sell quickly, this could be just the solution for which they have been searching.

Put simply, Fast House Sales respond to your invitation to view the property you wish/need to sell. Having done so – at no cost to you – they will then make you an offer.

Normally this will be in the region of 80% of current market value of comparable nature in the same location. On occasions, however, the offer can be as high as 90%.

That offer price is guaranteed. Fast House Sales pride themselves on their reputation for integrity. That being the case, there are no last-minute subtractions in lieu of previously unmentioned ‘outgoings’ on their part.

With Fast House Sales, what you see is what you get and what you get is what you were offered and promised at the outset. If there are any late extra costs, those will come out of their pockets, not yours.

You may at some stage have had the misfortune of seeing a sale fall through as a result of a would-be buyer having themselves been let down by someone to whom they had been expecting to sell their home.

Again, that does not happen with a Fast House Sale. And that, too, is guaranteed.

The reasons for them being able to offer that assurance are: (a) they are not dependent on money from the sale of something else to finance the purchase of your home, and (b) there is no delay while they await the mortgage application approval of a bank or building society.

Thus, with a Fast House Sale there are no disappointments. They are not required to sell anything prior to buying from you, nor are they dependent on lenders advancing them money to finance the purchase of your property.

Nor will you be required to spend anything on refurbishing and redecorating the home you wish to sell. Since they operate a buy-as-seen policy,  if there is work to be done ahead of them putting the property on the open market at some future date, they – not you – will pay for that.

So, no monetary hiccups, no reliance on anyone else and no make-overs in readiness for viewings as there are no viewings. The only ‘viewers’ will be Fast House Sales team, with whom you are dealing directly each step of the way.

The decorative state of the property is not an issue. If they buy a home in need of substantial repair and upgrading, it will be because they recognise that, with their work and their money, it can become attractive further down the line.

Fast House Sales’ money will be in your account within weeks. In the interim, there will be no adverts or For Sale boards regarding the property, thereby providing you with total discretion. No-one will know you are selling. Nor will they know the price involved.

In keeping with their name, it’s all fast, easy, secure and guaranteed.

So if, for whatever reason, you want money quickly for your property, contact Fast House Sales and let them solve your problem.

How Can I Save Money When I Sell My House Fast?

How Can I Save Money When I Sell My House Fast?

The summer sales are over, though nowadays ‘Sale’ signs appear to be all-year-round facts of life for some retailers.

Of course, if so-called ‘sale prices’ merely tempt people to spend money on things they neither needed nor had planned to buy, it is counter-productive for the buyer.

To spend £800 rather than £1,000 on something you didn’t need is a false economy; rather than £200 saved it’s a case of £800 lost.

But where the price for something you actually require is kept down as a result of reducing the normal cost, that’s a genuine saving.

Take house sales as an example. Here the ideal scenario is a fast turn-around which sees ownership of  a property transferred promptly and the cash for that transaction lodged just as quickly into the seller’s account.

Now some people baulk at the idea of a quick house sale, their reservation seemingly stemming from the belief that if it’s fast, easy and cheap it must be suspect.

So let Fast House Sale NI address those misgivings.

As market-leaders in Northern Ireland, they enjoy an excellent reputation for integrity. In addition, they willingly lay their track record on the line for examination by anyone who might have concerns.

In doing so, Fast House Sale NI readily acknowledge that some other companies, purportedly offering  similar services, may not necessarily adhere to such high standards of integrity and customer care.

But don’t judge the pick of the crop by the poor standard of a few bad apples in the orchard.

So how exactly do Fast House Sale NI manage to cut their customers’ costs in selling their property?

The traditional means of selling a house is via an estate agent  whose role is to market your property in the most productive manner before the widest possible audience in the hope of selling it for the highest-possible price.

In pursuit of this objective, the estate agent will advise you on the value of your home and then advertise it at that price on the open market.

Assuming the estate agent is successful – though this could take some considerable time and may also entail you having to reduce the original asking price – he/she will be entitled to a percentage of the sum for which the property was sold.

As well as providing ‘a wage’ in the form of commission for the estate agent, your costs to him/her  will include those involved in advertising the property, with boards, newspaper ads and on-line.

You, meanwhile, are likely to have incurred some further costs as a result of having carried out a few minor improvements in the course of preparing your home for viewings by those possibly – but not necessarily – interested in buying it.

Examples? New carpet to replace any that are grubby or worn, a fresh lick of paint here and there and a few rolls of wallpaper to cover your teenage offspring’s black bedroom abomination.

To this financial outlay add the time involved in giving the place a general make-over in the form of tidying up the garage and the garden as they, too, will be on view when your potential buyers hopefully start calling.

With the name of the game being to minimise the cost involved in selling a property, it is here that Fast House Sales NI come into their own.

Since they are buying the property there in no need for any estate agent. No fees, costs or commission, then.

And since there is no estate agent, neither is there any need for advertising. You have your buyer – it’s Fast House Sale NI – so you don’t need to market the property anywhere else.

Nor do Fast House Sale NI need to sell anything of their own or await confirmation of a mortgage from a bank or building society before being in a position to buy your home. They are ready to buy, with cash, NOW.

Fast House Sale also minimise the need for solicitors’ involvement, saving you yet more money.

And, of course, selling quickly means you do not have to go on forking out for mortgage repayments, rates or maintenance.

Normally they offer 80% of the current market value, though sometimes this figure reaches 90%. If that offer is accepted by you, there is no back-tracking or reneging on their part.

Nor do any hidden ‘extra costs’ suddenly appear. They pay what they said they would pay. Always.

Completion time? Six to eight weeks from start to finish. But sometimes four.

As well as being quick, it’s totally discrete; it’s sold before anyone even knew it was for sale.

Call Fast House Sales NI now and let them get you sorted.

Can I Sell My House Quickly?

Can I Sell My House Quickly?

SOME house sales drag on for months. Sometimes the process can take years.

So where does that leave the seller who can’t afford to hang about waiting for completion of a sale which may – or may not – materialise

Fast House Sale NI came into being to help those who want or need to sell quickly, quietly, no overheads, no fuss, deal done, money banked, moving on thank you very much. The reasons for fast sales are many and varied. But for the individual, couple, family or group intent on selling, the need to do so promptly and discretely is the priority. They are aware of cases where it has taken forever and they have no wish to become another anxious, frustrated, disappointed would-be seller being charged by agents and advertising outlets and who, despite having forked out good money, cannot get over the line in terms of completion.

Who needs to sell quickly? And why? All sorts of people for all sorts of reasons.

People who are emigrating and just want the whole house-selling issue done and dusted before they leave. A quick sale would be very welcome.

People to whom property may have been left following the death of a relative. They have a home of their own so they don’t need this other one as a residence, particularly as it might need to have work done before they could move in; redecoration at least, but quite possibly something a lot more substantial – and expensive.

It may be a case of a relationship breakdown which has seen both halves of a couple going their separate ways. They don’t want to spend time and money on the traditional house sale route involving estate agents, solicitors and a spruce-up or overhaul in readiness for visits by a stream of viewers, particularly as there is no guarantee of an offer at the end of it all that time, trouble and outlay.

Perhaps they have lost your job and, as a result of being unemployed, they need to get rid of everything they can no longer afford. Top of the list? The house. A quick sale is exactly what they require.

But how do you sell your home quickly? What does a quick house sale involve? Are there hidden costs? And how much could you expect to receive if you chose to follow the fast house sale road? And if you were happy with the price, how quickly could you expect to see the money for the sale?

Fast House Sale NI’s way of doing things is a clear case of ‘what it says on the tin’.

It’s a quick sale which means you will not get full market value on the property in the same way you would if you were to go through the normal channels. But it’s a genuine option for somebody who wants good cash quickly.

Typically, Fast House Sales NI will offer up to 80% of the current full market value, though on occasions offers in the region of 85% have been made.

And as all of those to have availed of its services decided, better the guarantee of £8 in your pocket right now than the mere dream or vague hope of a full £10 at some undefined point down the line, particularly as you may be substantially out of said-pocket between now and then.

All in all, it’s a quick, easy, no-hidden-costs transaction. An offer is made – and, significantly, it is one which includes Fast House Sales NI picking up all the other tabs normally associated with a house sale.

In other words, the seller does not have to pay for legal fees or foot the bill for an estate agent’s costs.

Ordinarily it’s a six-eight weeks start-to-finish process, though there have been examples of completion within four weeks.

In addition to having all the extra costs looked after, further attractions of any such sale include the certainty that it will go through and that the seller is assured of complete discretion. There are no For Sale boards, no adverts and nobody else will be aware of the fact that you are selling, or have sold, or to whom or for how much. All such information is strictly confidential.

Once the deal is done and the handshakes are exchanged, the cash will be in your bank within weeks. Worst case scenario? Eight weeks.

Not only are Fast House Sales the biggest such company in Northern Ireland; they are part of a much bigger entity, namely CD Fairfield Capital, a Belfast-based group of companies who are both proud and protective of their reputation for ethics, integrity and transparency.

Fast House Sales NI guarantee an open market valuation of the property. Nor are they put off by its state of repair or the standard to which it has been maintained.

Even if it has been so poorly looked after that it has reached the point of not being mortgageable, they will welcome the opportunity to take a look with a view to buying it.

If you’re interested in a quick sale – be it residential, commercial property or land – Fast House Sale NI want to hear from you.

The Belfast Property Market

We are in un-chartered economic waters right now, with the international market in a state of flux and the UK and the rest of Europe trying to come to terms with what the Brexit vote is going to mean for ordinary people.

The pound has plummeted against the dollar and the euro, making imports more expensive. Meanwhile the UK’s base interest rate remains marooned at an unprecedented 0.25%. Oil prices are soaring again.

Interest rates may change, the pound may increase – or continue to decrease – in value, greater inflation is probable, a return to recession is possible. In truth, with so many experts interpreting the same facts totally differently and contradicting one another’s forecasts every day, Joe Public does not know what or whom to believe. But come what may, people are going to need a roof over their heads.

So what is happening in the Northern Ireland property market now?
With offices in south Belfast and Templepatrick, Aria have a finger on the pulse, both in the city and 10 miles out into the country. And despite all the post-Brexit uncertainty, they are seeing clear evidence of a market which is strengthening steadily, in a responsible manner and at a sustainable rate. Hopefully the madness of 2005-07 when property prices went crazy has taught everyone a salutary lesson.

Northern Ireland people tend to be conservative by nature, inclined to weigh things up rather than stampeding into risky ventures. That being the case, most will welcome the news that the idea of buying a home simply to make quick money from selling it on again a relatively short time later appears to have had its day. For now at any rate. From working with ordinary people merely trying to sell or buy ‘a home’ – in the true sense of the word – Aria have seen a real change in attitudes. Instead of purchasing in the hope of making money from a quick re-sale, buyers’ decisions are back to being based on how and where they plan to live for some time to come.

So at the moment there is considerable interest in available property and the price it is fetching. Supply is an issue at certain levels, with demand outstripping availability. And that, in turn, is nudging prices upwards – but not in the way we saw in the mid-2000s. Right now you can sell and buy at a good market-based price. While there is an element of ‘wait and see’, particularly at the top end of the price bracket, interest in mid-range properties is encouragingly strong. This, of course, is destined to translate into sales and when it does, the money that produces will begin to filter through elsewhere on the property ladder.

In addition, there is more and more evidence of new-build homes. Those are attracting a lot of first-time buyers – young couples and young single professionals – into the market.
Many of those intent on buying are drawn increasingly to more and more advanced ‘turn-key packages’ whereby the purchaser gets to put their identity on the property from the outset by choosing their own fittings, kitchens and bathrooms, for example.

Meanwhile three-bedroom semis and smaller detached houses are sparking interest, too, particularly from growing families. Aria have discovered that with lenders now much more cautious than was the case a decade ago, in turn would-be borrowers have responded by being prepared to make sacrifices in order to put down the biggest possible deposit.  In the hope of minimising their outgoings, thus leaving a lot more of their disposable income intact, many are continuing to live with their parents.

There are some excellent mortgage products out there and obviously the more a borrower is able to put down, the better the deals and more favourable the rates they will be offered. With huge development sites having been bought in Comber and Newtownards, clearly there are fresh projects on the way, reflecting confidence in the state of the property market.  One reason for this optimism in the fact that the figures are making sense again. Something that, at the height of the boom soared to £200,000 can now be bought for £70,000. An attractive residence, realistically priced and therefore affordable equals genuine interest on the part of buyers.

The approach on the part of buyers and sellers alike is altogether more pragmatic. Growth is sensibly paced. We’re told that the price of houses may rise by up to 7.8% this year!

But the biggest single change is that we are back to a situation where people see their home as being just that – their home, not bricks and mortar out of which to make a vast profit very quickly,
Aria are leading the way in this, by keeping their eyes, and those of their clients, focused on reality – real homes for real people at realistic prices.

Can You Sell My House In Belfast?

Selling a property in Belfast

HERE in Northern Ireland there are some things that so deeply embedded in our make-up that now they are taken as being DNA-transmitted. One such example is our fixation with home ownership.

While our counterparts in Germany, France, Italy, Spain and much of Scandinavia may be happy to rent, to those in the UK and the Republic of Ireland, ownership remains all-important.

For years it was said that ‘an Englishman’s home is his castle’.

And over the years we have bought into the notion that it also applies on this side of the Irish Sea. Now we too aspire to home ownership. There aren’t too many examples of rented castles…

The numbers of houses for sale in Belfast, and the interest in them, mirror that reality. And although the crash of 2008, the recession which followed and the impact that had on house prices here momentarily derailed the ownership locomotive, little by little it has been getting back on track.

South Belfast in particular is on the up and up with properties in the Stranmillis, Malone and Lisburn Road areas much in demand. Things are buoyant in the east of the city, too, with Ballyhackamore now regarded as being a prime location.

When it comes to house-hunting, of course, much has changed in the past two decades. In terms of house-selling, gone are the days of reliance on an ad in the Tele and a For Sale board in the garden or else nailed to the wall above the front door.

We’re a much more sophisticated, technologically literate lot these days, with social media and on-line searches now our weapons of choice when we set about trying to sell – or buy – a property.

If they are to survive in what is a much-changed, highly competitive marketplace, Belfast estate agents really do have to be up to speed in order to meet the demands and expectations of today’s laptop, smart phone and tablet conversant house sellers and buyers.

Certainly Aria have risen to this challenge by appointing knowledgeable staff who are completely at home in that environment. In addition they have quipped themselves with the latest hi-tech gadgetry and offering 24-hour on-line access. Even their office opening hours eclipse those of rivals still stuck in the 9-5 era.
And they offer a number of additional services, all designed to make the whole house-selling process easy, straightforward, stress-free and successful. Call it a case of positive results via simplicity.

As per Aria’s approach to rental accommodation, attention to detail is everything when it comes to residential property sales. In other words, they insist on every box being ticked, with nothing being left to chance.

“Do that and you will sell the property,” is the mantra.

There is no doubt that trying to sell property can be worrying for those intent on matching their home with the right buyer. That being the case, working hand in hand with an estate agent who minimises the hassle whilst maximising the seller’s return makes sense.

To that end, openness, transparency and honesty are Aria watchwords.

They tell it like it is; their valuation of a property is based on how others of comparable standard in the same locality have sold. They provide evidence of how the prices those homes have fetched, for which reason the seller knows the asking price being recommended is realistic valuation and fair.

No exaggeration, no hopelessly unrealistic assessments, no promises which cannot – and therefore will not – be kept.

Free valuation is part of the service, incidentally.

With more and more people going on-line to find property for sale in Belfast, Aria have invested accordingly. Up-to-date technology, around-the-clock access, national and international marketing and support at every stage of the process are all part of the deal.

Aria offer honest feed-back as to possible modifications and improvements the would-be seller could make in order to boost the prospects of a sale. Again, it’s a case of tell-it-straight honesty rather than tip-toeing around the subject out of fear of causing offence or upsetting the vendor. If that bright red room with the black skirting board is a handicap, Aria will tell you!

In brief, they level with their clients, telling it like it is based on their knowledge of what modern-day buyers want and expect. That way, the desired result is achieved a lot more often – and a lot more quickly.

Because there is no shortage of houses for sale in Belfast, getting the selling process right is key.

The importance of first impressions cannot be over-emphasised, nor can the value-for-money return on an investment in a shampooed – or better still, new – carpet, a freshly decorated entrance hallway, the tidy-up of a garden or the removal of clutter that has been sitting in the back garden for months, or even years, and is never going to be a plus in the eyes of a potential buyer when it comes to selling points.
A for-sale house has to look attractive and here, too, Aria offer advice based on experience.

Having invested heavily in on-line know-how, high quality cameras and some of the latest technology, they are able to show any on-sale property in its best possible light – literally.

This means that if they have taken photographs which do not meet their standards of excellence, they will then take more to ensure that those who see them cannot fail to be impressed. Rest assured, therefore, that photographs which are too dull or show just half a bedroom because the camera used was not good enough to capture it in its entirety will not feature on any Aria site. They set the bar very high for themselves – and their results confirm that such attention to detail yields results.
They know that buying a house almost certainly is the biggest purchase most of us will ever make. For that reason Aria believe that anyone who uses them to enable that is deserving of the very highest level and standard of support.

In furtherance of their aim to be market leaders in Belfast estate agency, Aria also offer help – in purely practical ways – to those on whose behalf they are trying to sell.

If, for example, their analysis of a property for sale in Belfast is that the likelihood would be enhanced as a result of some minor work which will cost comparatively little in monetary terms, but would be very helpful in yielding an overall result, not only will they advise it – they will also arrange to have it done by a team of tradesmen they have at their disposal.

Belfast is awash with homes for sale and estate agents hoping to cater for vendors and buyers alike. Because selling property can be difficult, using those who offer that little bit more when it comes to detail and expertise makes good sense.
No up-front fees coupled with a modern, fully professional, 365-days-a-year marketing strategy and the ready availability of tradesmen capable of making quick, inexpensive, price-enhancing improvements to your property make Aria particularly attractive estate agents.

Lift the phone and let them maximise your asset, your price and your prospects by virtue of the second-to-none service they provide.

Aria Residential, The Landlord’s Choice

It isn’t rocket science; a landlord’s primary objective is to make money, be it as a result of rental income or through selling property at the right price at the right time.

Either way they will benefit from a good working relationship with a proven, knowledgeable, reliable, trustworthy estate agent whose record supports his or her claims to be able to find a good tenant or a genuine buyer. Aria tick each of those boxes, and quite a few others besides, hence their popularity and reputation among landlords.

The Lisburn Road-based estate agency’s name is recognised and acknowledged as one that is growing across Belfast, not least because of the size and quality of Aria’s management book. Aria have hundreds of landlords on board at this stage, and there are others keen to join them. This all translates as ever-growing portfolios offering a very wide range of properties and prices. And with access to an impressive number of buyers who come to Aria with specific requests, it is a process that works for each of the parties concerned. Win, win.

As well as providing all of the expected and traditional estate agent’s services, Aria help to source properties for customers. Their clients range from Joe and Joan Average who happen to have inherited some money and now want to buy a property to rent out, right up to large-scale investors who have funds of several million pounds with which to buy an entire portfolio. No job too small or large, then.

So if any landlord is thinking about selling a property or properties at this stage, there is a very real possibility that Aria will have someone on their books intent on buying just such a holding or holdings.  In a case like this there is no need for boards or advertising; with a vendor and a purchaser meeting one another’s requirements it is a quick, smooth, straightforward transaction. Thus, with customers already standing by, waiting, ready, willing and able to buy appropriate properties as and when they become available, Aria are a lap ahead of much of the field.

Their success in catering for the upper and lower ends of the market are reflected in their figures. Just as they have done deals for £40,000, so too have they recorded others worth several millions of pounds. Their successes have been across the board and that is something which has earned them the respect and confidence of landlords, whether they are of the selling or buying variety. Of course, the situation is not static. Because people’s wants change, things seldom remain still for long in the world of landlords or the sale or purchase of houses, flats or apartments.

Aria are designed to cope with that reality. They major in finding out what exactly a potential buyer wants and then match them up with the appropriate property. It’s a time and money-efficient format that invariably delivers results. It might be a simple case of Joe and Joan Average wishing to invest in a to-let property that is pretty much good to go, with perhaps just a coat of paint required. Alternatively it could be a well-heeled group of investors intent on buying a much larger portfolio.

Does this happen? Yes, Aria recently completed a single transaction in which 38 houses were sold and bought. So, different clients with differing needs but almost without fail a satisfactory deal for all concerned.

While rents continue to provide good incomes for landlords, there are going to be challenges ahead. Tax changes are due in the next financial year, along with the disappearance of mortgage relief between now and the end of the decade. When that happens, average rents almost certainly will increase. Even so, some landlords are considering selling at this stage and those who are would be well advised to enlist with an agency whose credentials and pedigree confirm their expertise when it comes to bringing the right partners together.

Try Aria; you won’t be disappointed.

Selling A House In Belfast

At a time when the housing market is improving, albeit that the improvement is more discernible in some parts of Northern Ireland than others, Belfast is an example of the former. In the south and east of the capital city in particular, prices are increasing steadily if not spectacularly. And that’s good, given that we are still living with the after-effects of a dramatic but unsustainable upsurge which saw the market go mad a decade ago. The lesson? You can only blow a bubble up so far before it bursts. In the wake of what happened post-2008, the market of 2016 is altogether more cautious and cagey, not least because lenders are no longer falling over themselves to throw money at us. They, like the rest of us, learned some very hard lessons.

With those wounds still fresh – indeed, in many cases, red-raw – prudence and care have replaced the ill-advised and irresponsible attitude which prevailed between 2005 and 2007 before ultimately proving ruinous. Those selling and buying today are a whole lot more circumspect and discriminating. Instead of waffle, inflated claims and inflated prices, today’s vendors are demanding integrity, reality and genuine prices. In particular, they are making it plain that estate agents have to measure up. So today in Belfast any sensible would-be seller is going to ask three pertinent but completely fair and reasonable questions. Those are:

(1) all in, how much will it cost me to sell my house?

(2) How much of that goes to you, Mr Estate Agent?

(3) What do I get from you in return for that fee?

Estate agents are like footballers; a few at the top end are outstanding, a great many others are just average and, as at the bottom end, some are plain awful.  They take clients for granted – often they take potential buyers for granted, too – and their old-fashioned methods are out of touch with the pace of the modern world. In short, their work as estates agents is sub-standard and sloppy. They over-charge and under-invest –at the expense of the seller in either case. Their failure to stay in touch with, and be part of, what is relevant in today’s property market is hugely disadvantageous to their clients’ prospects of selling quickly and/or for the best possible price. They open at times which suit themselves rather than those whose interests they are supposedly representing, while ensuring that it’s their client rather than they themselves who pick up the tab every step of the way.

Property in Belfast is plentiful. That being the case, there is no shortage of people keen to cash in at this stage. It’s time for the perceptive client to engage in some market research as to who offers most and does the job best. Who provides the best service, pays most attention to detail, is transparently cost-efficient – not least because they invest their own money rather than that of their client at the outset – and is motivated by the fact that unless they sell they don’t get paid?

Aria tick each of those boxes and a few more besides, blazing a trail as pace-setters in a highly competitive environment, witness the recent opening of a branch in Templepatrick to supplement their established head office on Belfast’s Lisburn Road.

They have staff who know the market and are totally comfortable with the latest hi-tech gadgetry. They have invested a lot of money in the latest on-line technology and high quality cameras, which means they can show any for-sale property in its best possible light to the widest possible audience.They are not restricted by geography to where they are based physically, nor are they confined to 9-5 office hours. If you want to visit, you can do so at any hour of the day or night, 365 days a year. How? Via technology which gives the potential buyer night and day access to the world of ‘virtual viewing’.  That goes hand in hand with the real thing, of course, so it isn’t instead of face to face contact and communication with an Aria estate agent. It’s simply an option, an alternative, an extra for those who are unable to call during conventional office hours. Or who don’t even live in Northern Ireland at this stage, but are keen to buy a property here.

Social media is the name of the game now and that is a reality Aria have embraced. There was a time when ‘advertising’ property for sale consisted of nothing more than a description of the dimensions and a picture in the estate agent’s window or on a board, plus an ad in the newspaper. No longer. The simple fact is that increasing numbers of people shop on-line nowadays – for groceries, books, music, clothes, furniture et al, as well as to make bookings, buy tickets or whatever else. Property is no different; increasingly those searching for property in Belfast do so on-line. Aria’s investment in equipment to facilitate this is nothing more than an acknowledgement that it’s how things are these days. Adapt or get left behind.

Conscious of that, Aria are on Propertypal, reaching the masses with details of that house, flat or apartment you’re trying to sell. This means they are able to advertise and promote properties nationally and internationally as well as closer to home. The charge for this? Well, there isn’t one – it’s all part of the service. Aria have invested in high specification cameras, too, which means that any photographs they display are of the highest standard. In other words, your for-sale property is going to be seen at its best.
All pictures of houses valued at £200,000 or more are taken by professional cameramen – free of charge. The Aria mantra is “Do everything properly, leave nothing to chance and you will sell the property.”

They minimise the work required of you by undertaking it themselves. Their valuations are based on knowledge of how other properties of comparable standard in the same locality have sold. Thus the vendor knows that the asking price is a true and fair valuation.
Aria do not fill clients’ heads with nonsense by asking for an unrealistic and therefore unattainable price. Nor do they make promises they cannot be kept. If they say it’s worth £180,000, that’s because it’s worth £180,000. So expect £180,000.

Their valuation fee? It’s free; that’s part of the service, too. Their insistence on honesty also includes them offering advice on improvements the would-be seller should make in order to boost the prospects of a sale. Again there is no flannel; if Aria believe a grubby carpet needs changing or a bedroom requires a coat of paint, they will tell you! Why? Because they know what they’re talking about and they know what works. All of the advice they offer is based on their knowledge and experience of what the modern-day buyer wants and expects. Meet those expectations  and the desired result will be achieved a lot more frequently and quickly. Estate agents will charge a percentage of the sale price; that is their modus operandi. But some charge a lot more besides, with the meter starting to run from the moment you enlist with them.

With their starting point being the fact that they make no up-front charges, Aria make it plain from the outset that they are in the business of selling. If they fail to do that, they don’t charge you a penny. Clearly they are in to win.

Buying A House In Belfast

Buying a house is probably the most expensive venture you will ever undertake. It costs a lot more than the average car, holiday or any other big ‘life’ event, weddings included. As well as being expensive, buying a home is a long-term commitment. How long? In the past it tended to be a 25-year project at the end of which, finally, you have outright ownership of the property. But now, increasingly, the term over which mortgage repayments are stretched out extends beyond that quarter-of-a-century norm.

We haven’t gone quite as far as the Japanese, of course. In the 1980’s and 1990’s, such was the price of property in Japan that ordinary working people could not possibly afford to buy. To offset that, Japanese lenders began offering mortgages to run over a term of many years – up to 100 years in some cases. Under such an agreement, the property – and the outstanding mortgage – pass to the children when the parents die.
Closer to home, longer-term mortgages are common in Switzerland, too, in view of the highly prohibitive price of property there. While things in the UK and Ireland have not reached that stage, the mention of a 30-year mortgage no longer makes us blink. Because buying a home is both an expensive and a long-term commitment, it would be foolish in the extreme to rush into such a transaction without having gone through all of the necessary steps and examined the possible options in detail.

In addition, because it is where you plan to live for the foreseeable future, you need to be sure that this is the right home in the right locality, not only for you but for everybody else involved in or affected by the move.
Is it conveniently situated with regard to all the people and all the facilities/amenities of importance to you? Friends? Relatives? Work? Schools? Shops? Clubs or groups to which you belong? The right home in the wrong place is an oxymoron; such a home, however desirable, is not ‘the right one’ so do yourself a favour and look elsewhere. At the outset of buying a home, itemise the most important steps of the process. Decide on your price bracket and make sure you stay within it. Regardless of how attractive that addition feature may be, DO NOT allow yourself to be talked into spending more than the amount for which you have budgeted. Discuss the availability of a mortgage with a lender or lenders before you start your search. There is no point in having your ‘dream home’ offer accepted by the vendor only then to find out that you don’t have a mortgage with which to buy it. Crucially, examine all of your options before deciding what type of mortgage best suits your needs and your pocket. More than anything, your decision as to the best mortgage for you will be taken on the grounds of affordability. Ultimately it comes down to your ability to repay.

Basically you have three options – repayment, interest-only or a combination of both of those. The words to note are CAPITAL and INTEREST. Capital is the amount you have borrowed. Interest is the amount you are required to pay for borrowing that capital. A repayment mortgage is one where you, the borrower, repay your bank or building society, the lender, BOTH the capital and the interest on it. As a result, your mortgage balance decreases each month until, at the end of the term (usually 25 years), it is all fully repaid. Note, however, that in the early years of that term most of the money you repay will be interest rather than capital. This means that should you wish either to pay off the mortgage or move house, the amount you owe at that stage will not have gone down by very much.

Interest-only mortgages are cheaper due to the fact that your monthly repayments do not include any of the capital you borrowed at the outset. The downside to this is that when you reach the end of the term, you will still owe all of the capital.
That being the case you must have a repayment strategy so that you are able to pay off the capital at the end of the mortgage. This could mean paying regularly into savings, investments, pensions and/or other properties. It is YOUR responsibility to have a plan which enables you to clear the capital at the end of the mortgage, though your lender must also review the situation at least once during the term. Note also that some lenders ask for a larger deposit on an interest-only mortgage.
Both repayment and interest-only mortgages can be paid at fixed interest or variable rates. While fixed interest mortgages are more expensive than their ‘variable’ counterparts, the big plus is that you are not going to be affected by a rise or rises in the base rate.

The third option is a mortgage on a part-repayment and part-interest-only basis which means that at the end of the term some of the mortgage capital will still have to be repaid. Before embarking on any house-buying employ a good solicitor – ideally one with a proven track record in conveyancing. Ignore stories about that teacher or that car salesman who handled the whole process themselves. If only it were that simple…‘Tried and tested’ makes a lot more sense, particularly if any unforeseen difficulties were to arise. In that event, your solicitor could just end up sparing you a lot of anxiety and saving you a lot of money.

If you would like more info on the process of buying a home or you want to speak to estate agents in the know, contact Aria now: 028 9059 9599 (Lisburn Rd office) or 028 9443 3388 (Templepatrick office)