Property Drop Issue 64

#THEPROPERTYDROP

1-14 JANUARY 2020

THEPROPERTYDROP.CO.UK

ISSUE 64

FREE COPY

MONMOUTHSHIRE | SOUTH HEREFORDSHIRE | WEST GLOUCESTERSHIRE

12

GOVERNMENT LAND

AND PROPERTY AUCTION

13

BEAUTIFUL NEW BUILDS

AT WEOBLEY, HEREFORDSHIRE

IN PARTNERSHIP WITH

2 NEWS

Property industry reaction

to the election result

As millions woke up on Friday 13th December to the general election result,

we take a look to see how the property industry reacted.

Guy Harrington, CEO of property lender

Glenhawk: “Finally some light at the end of the

Brexit tunnel. This result, coupled with finally

leaving the EU in January, is the tonic the real estate

market’s been waiting for. Expect improved liquidity,

greater transaction volumes, a stronger pound and a

bounce in the housing market, all of which will benefit

lenders, investors and developers alike.”

Jamie Johnson, CEO of FJP Investment:

“Many will be somewhat relieved with this result – a

Conservative majority means we are a step closer to

ensuring Brexit will be finalised in some shape or form

come the end of January 2020. As expected, there

have been some significant movements on the financial

markets which is to be expected. Once an election result

is announced, the markets will naturally take time to

adjust to the news, before once again becoming stable.

Of all the possible outcomes to come from the

election result, a Conservative majority provides the

most clarity. Their position on Brexit is clear and now

we wait for Boris Johnson’s EU Withdrawal Agreement to once again be voted on

in parliament. Importantly, I hope the government uses this victory to start making

progress on national issues that have been ignored, such as the property market.”

Nick Leeming, Chairman at Jackson-Stops, comments: “Over the last few

years, both buyers and sellers have done well to adjust to the ongoing uncertainty

facing our country, yet we hope that the result will finally provide some reassurance

to the property market. Throughout the Conservative party’s campaign they pledged

their support for greater home ownership and so now is the time for them to form a

Government that will deliver on this.

In the lead up to Boris being elected Prime Minister, he spoke widely about stamp

duty cuts for UK residents, yet this quickly fell by the wayside as he settled in to

No.10. Our latest research found that 41% of consumers think there should be a

wholesale reduction in stamp duty across all price brackets, while more than a quarter

think Government should abolish stamp duty on all homes under £500,000. Just 3%

felt no change was required, which highlights the need for change.

It was therefore disappointing to see the party’s manifesto only focussed on

increasing the amount of stamp duty payable for non-UK residents – done in an

attempt to take the heat out of the property market. If we are to give the economy the

much-needed boost it needs, what we actually need is to reduce the burden of stamp

duty across the wider UK housing market.

Although we still have Brexit to contend with, housing must continue to be a key

priority for the Conservatives. People are of course still moving. Buying and selling

property doesn’t simply stop because the UK is leaving the EU or there has been an

election – there are often overriding reasons for moving, whether to be closer to a

good school, better childcare or the need to upsize or downsize.

Yet it is quite clear that if our Government wants to see a more fluid property

market, which is moving at all levels, then it needs to provide far greater support to

key demographics such as first-time buyers, young families and downsizers.”

Paresh Raja, CEO of Market Financial Solutions: “In many ways, the result

shouldn’t come as much of a surprise. The Conservative Party’s main election pledge

has been to ‘get Brexit done’, and the result suggests people are longing for the issue to

be resolved come 31stJanuary 2020. What’s more, a majority government means we’re

less likely to see a legislative deadlock in Westminster as has been the case since the

last election.

For the property market, this is good news. Investors

have been yearning for greater certainty and while

national house prices have been steadily rising as a

result of sustained demand, many have adopted a wait

and see approach before committing to a real estate

purchase. This result provides some much-needed

clarity, and I’d expect to see an increase in property

transactions over the coming months.

There are plenty of question marks hanging over the

newly-elected government. When will the long overdue

budget be delivered? Will there be changes to taxes like

stamp duty? How will the housing crisis be addressed? I

hope the Prime Minister addresses these questions and

does not let Brexit continue to overshadow pressing

national issues.

For now, at least, all eyes are turned to the end of

January when Boris Johnson’s commitment to deliver

Brexit will be put to the ultimate test.”

3

Jerald Solis, Business Development and Acquisitions Director of Experience

Invest: “Despite winning a majority, the Conservative party should view this only as

a minor victory. Whilst this was dubbed a ‘Brexit Election’, the public has made it

clear that other pressing issues must be pushed to the forefront of the newly elected

government’s agenda, such as the housing crisis.

Research from Experience Invest has shown that just 11% of consumers had faith

in Boris Johnson’s previous government to solve the problem. So, the question now

is how his new government will ensure the appropriate measures are put in place to

ensure more people are able to jump onto the property ladder. From the promise to

build 29,000 affordable homes, to simplified shared ownership and help to buy loans,

the public will be expecting creative action.

One of the main public concerns will now be whether the government will meet

the Brexit deadline of 31st January or seek another extension. After all, with over

half (53%) of consumers Experience Invest surveyed agreeing that prolonging Brexit

is counterproductive to solving the housing crisis, we cannot let Brexit overshadow

pressing national issues that have been ignored for far too long.”

Conservatives have promised

to help renters

get on the property ladder

The Conservatives have promised to introduce “lifetime” fixed rate mortgages

to make it easier for renters to get on the property ladder.

Under the plan, buyers will only need a 5% deposit to secure the keys to their

first property and get on the property ladder.

Their mortgage payments would remain the same until it was paid off,

meaning they would not be hit by spikes in interest rates.

Plans to build “at least” one million new homes over the next five years, as well as

end no fault evictions.

The Conservatives are also planning a ‘First Home’ scheme, which will sell

properties at a 30% discount to first time buyers seeking a property in their local area.

Meanwhile, private tenants will be entitled to ‘Lifetime Rental Deposits’, which

the Conservatives said could be transferred from one property to simplify the process

and cut fees.

Housing Secretary Robert Jenrick has said: “We delivered one million homes in the

last five years and we’ll deliver at least another million in the next five years.

“We’ll help renters make the leap onto the housing ladder and we’ll provide

discounts for first-time buyers in their local areas.”

www.thepropertydrop.co.uk

01600 717255

info@thepropertydrop.co.uk

Whilst every care is taken with materials submitted to The Property Drop the publisher cannot accept responsibility for loss

or damage to such materials. Opinions expressed in articles are strictly those of the authors. This publication is copyright

bedroom

and may not be reproduced in any form without written permission from the publishers. Prices and details are subject to

change and the publisher can take no responsibility for omissions or errors. The inclusion of an advertiser in this paper is not

necessarily a recommendation. ©The Property Drop 2020.

bathroom

The icons under the properties throughout

Property Drop indicate the following:

bedroom

bathroom

living room etc

bathroom

bedroom

bedroom

Number of

bedrooms

bedroom

living room etc

Number bathroom of

bathroom

living room central etc heating

bathroom garage/covered parking

central heating

garage/covered parking

living room etc

bedroom

living room etc

living room etc

reception

rooms

central heating


Number of

bathrooms


central heating

central heating

central heating

parking

parking

ELECTRIC

Method of

central

heating

Covered

garage

parking

parking

Parking

space


parking

4

PROPERTIES

bedroom

living room etc

Hillcrest, Redbrook, Monmouth

RRK 01600 772929 www.roscoerogersandknight.co.uk

Price

£795,000

bedroom bedroom

4

living living room room etc etc

bedroom bedroom living room living room etc etc

central heating

bathroom

3 3 2

bathroom

bathroom

OIL

central heating

central heating


parking


parking

bathroom bathroom

central central heating heating


parking

garage/covered parking parking

parking parking

This beautifully presented Edwardian property has

been carefully and sensitively restored producing a

very fine example of this period

The attractive and practical layout benefits from well-proportioned rooms with excellent

levels of light and a wealth of elegant features creating great character and an appealing

chemistry throughout.

It has been tastefully decorated and the four double bedrooms have two that are ensuited

and there are three impressive reception rooms with oil fired central heating with

radiators throughout.

This impressive country house has an elevated aspect with fine Wye Valley views and it

enjoys a very private location above this popular and active village which has a thriving

village shop, primary school and two pubs nearby. Monmouth, Chepstow, the renowned

schools and the major road networks are all within easy reach.

Set in just under an acre of mature, attractive grounds consisting of a courtyard garden

with veranda and attractive seating area; above which is a grassed area, well stocked with

mature Rhododendrons and established trees and shrubs providing a mini parkland

setting.

The main front garden has a lovely sun terrace and rockery and steps lead down to a

well-maintained lawn area formerly a grass tennis court.

A useful path meanders down to the village and there is an attractive detached Oak

framed double garage with ample parking.

THE BEECHES, THE KYMIN

Dedicated to letting properties since 1990

We offer a professional service tailored to suit landlords individual needs.

For a quality service at sensible prices speak to our letting team.

A 4 bed detached bungalow with fantastic

views, approx. 2.5 acres of gardens,

paddock and woodland.

Agency Fees Apply

KING HENRY DRIVE,

MONMOUTH

£1,300pcm

£600 pcm

CROCADWR, SOUTH

HEREFORDSHIRE

£1,700 pcm

A four bedroom detached cottage with a

detached double garage with workshop and

landscapes gardens. Agency Fees Apply

GOLDWIRE LANE, MONMOUTH

£685 pcm

A two bedroom semi detached house

situated in Monmouth. Available now. No

pets. Agency Fees Apply

A three bedroom end terraced house

situated in Monmouth. Available Now.

Agency Fees Apply

Call: 01600 772929 • lettings@roscoerogersandknight.co.uk

www.roscoerogersandknight.co.uk

PECKETT LODGE, THE NARTH, MONMOUTH £650,000

HILLSIDE LODGE, REDBROOK £575,000

GAOL BARN

MONMOUTH

THE CEDARS

USK

CAPEL PENTWYN,

PENALLT, MONMOUTH

THE TUMP

PENALLT, MONMOUTH

2019

ANOTHER SUCCESSFUL YEAR:

Despite B all the uncertainty in the market we have yet again

bucked the trend with house sales of homes and retained

our record for agreeing 97% of our asking prices.

2 4 3 2 5 4

B

WYESIDE

ST BRIAVLES, GLOS

WHY?

Because we have been here doing this for more than 25

years and so we have all the knowledge and experience that

this brings. Couple this with the most important ingredient

that is hard to find these days…

HASELEY HOUSE, LLANGROVE

HEREFORSHIRE

WE CARE:

Nothing is ever too much trouble and everyone is here to

make sure that our customers are always looked after which

is “just what the doctor ordered” when taking the big step

This 4 bed detached modern, contemporary home has been constructed

and finished to a very high standard and is beautifully presented throughout.

Located in the popular hamlet of The Narth, within easy reach of Monmouth

and WELL Chepstow, COTTAGE the renowned schools and major road links. Mainly lawned,

GOODRICH, HEREFORDSHIRE

mature landscaped gardens, brick to paved sell driveway, or buy a integral home. double

garage and parking for several cars.

THE “B” WORD:

Soon it will be hopefully extinct and the fog will soon clear

and that can only be good for our property market.

This modern 5 bed property is set high above this popular village within the

Wye Valley, an Area of Outstanding Natural Beauty. Constructed to a high

standard this energy efficient home features a contemporary design & layout

enjoying this semi-rural location. Two glass fronted first TREVERVEN floor balconies BARN, LLANGARRON & sun

terracing capture these outstanding views. Large double

HEREFORDSHIRE

garage, parking &

turning area. The village has a post office/shop, primary school, church and

two pubs and is short drive from Monmouth. NO ONWARD CHAIN.

JODEN, OSBASTON, MONMOUTH £445,000 DUNNOTAR, SYMONDS YAT WEST £390,000 STUDIO HOUSE, MONMOUTH £230,000

C

4 BERRYFIELD CLOSE

MONMOUTH

Situated on the edge of town in sought after

Osbaston this individually designed detached 3/4-

bed home with an individual design that capitalises

on its elevated aspect and a layout suitable for dual

family living. An extensive balcony overlooks an

attractive DRYBRIDGE lawned HOUSE, garden with a bespoke spacious

summerhouse SKENFRITH, ABERGAVENNY and views beyond. Well-stocked

front garden and a drive accessing an integral

double garage. In need of some up-dating.

MY CHRISTMAS MESSAGE;

It is the time for all of us to spend that precious quality time

with our loved ones and friends and to enjoy every single

minute of it. But then crystallise your hopes and dreams for

C

the future and make them real. Have the courage to press

the button, flick the switch and make things happen

because life is far too short.

Phil Smith.

Set in the very sought after Symonds Yat West

with outstanding views across the river Wye, Yat

Rock & Coppett Hill, this extended detached

character 3 bed cottage has an inverted layout

that captures these views. Extensive &

imaginatively designed well-stocked terraced

mature gardens with sun terraces all totally .6

acres including 2 valuable & practical roadside

parking bays. The property is in need of up-dating.

3 Agincourt Square • Monmouth • NP25 3BT

Call: 01600 772929

enquiries@roscoerogersandknight.co.uk • roscoerogersandknight.co.uk

BEAUMONT

MONMOUTH

An attractively designed and very nicely

presented 2-bedroom terraced mews house

adjacent to St James Square just a short walk

from the centre set over three floors, enjoying

distant rooftop and countryside views. Well

3 GLENDOWER STREET

maintained and very tastefully MONMOUTH remodelled with an

attractive walled courtyard garden and integral

garage. An ideal lock up and leave, bolt hole.

NEW MILLS, WHITEBROOK

MONNMOUTH

OXMOOR HOUSE

THE NARTH, MONMOUTH

THE OLD PIGGERY

MONMOUTH

THE PLAIN, THE NARTH

MONMOUTH

3 Agincourt Square • Monmouth • NP25 3BT • Call: 01600 772929

enquiries@roscoerogersandknight.co.uk • roscoerogersandknight.co.uk

Monmouth & London offices

Tel: 01594 836886

www.brideoakhomes.co.uk

Email: sales@brideoakhomes.co.uk

Brideoak Homes,

No 60 Newland Street,

Coleford, Glos. GL16 8AL

Brideoak Homes understand what really makes a new house a home.

We care about the detail of our homes, the design, the materials, the location and the management.

Even more importantly we care about the next stage, you.

Brideoak Homes builds quality new homes in Gloucestershire, Herefordshire, Monmouthshire and the Wye Valley. From starter homes to

new executive family homes. Rural locations, high specification and traditional quality matters to us as much as it does to you.

NOW AVAILABLE FOR VIEWING

Lilly Close, Christchurch, Nr Wye Valley

In a village location in the lovely Wye Valley, not far from the renowned

beauty spot of Symonds Yat, Lilly Close, Christchurch is a stylish new

development of four detached executive homes.

These high quality properties, three of which are still available, have been

built by award-winning, local developer Brideoak Homes and prices range

from £575,000.

Finished to an exacting standard, each spacious, four-bedroom property

has a different layout. However, all have a neutral, contemporary colour

scheme; an open plan living area with bi-fold doors to the garden and a

streamlined, high specification Leitcht kitchen with granite work tops, an

instant hot water tap and top-of the range fitted appliances. The bedrooms

have fitted wardrobes; the properties, depending on style, have one or two

en-suites and each house comes with a double garage. With an eye to

the detail, Brideoak Homes have included craftsman-built staircases made

of African Idigbo wood; the living areas have engineered oak flooring and

stylish inset fireplaces and Mandarin Stone products have been specified

for the tiled areas. The ‘finishing touches’ have been thought through to the

extent that purchasers can specify their choice of fitted carpets and they’ll

be able to move into a property which has a fully landscaped garden, with

the lawn laid, the beds ready-planted and even the grass maintenance

taken care of – with an automatic programmed lawn mowing system!

Brideoak Homes, based in Coleford in the Forest of Dean specialise in

building small developments of high quality homes in rural locations in and

around the Wye Valley. It’s a multiple quality award winner and the development

at Christchurch has just been awarded a Seal of Excellence in the

NHBC Pride in the Job Awards 2019. Other sites under construction are two

three-bedroom bungalows in the neighbouring village of Broadwell and

ten mixed two, three and four-bed houses at Whitchurch.

For more details visit www.brideoakhomes.co.uk, email Tara Newman

at sales@brideoakhomes.co.uk or phone her on 01594 836886.

Multiple NHBC Award winner - Seal of Excellence Award & Regional Award Winner (West)

This site has also been awarded a Seal of Excellence in the Pride in the Job Award

Mike Mike Etheridge Mike Construction Etheridge Construction Dean Dean Joinery Dean Joinery Advanced Drylining Advanced Drylining MEC MEC Scaffolding MEC Scaffolding

Sales & Lettings Agent

Open 7 days per week • No Sale - No Fee • Free Valuations

2020 - Are you considering selling or renting your home this year?

Moon & Co Sales - Well renowned team of established, highly skilled property professionals with unparalleled local market

knowledge are here ready to help. Director Peter Moon quotes: An interesting year of continued activity on the back of the

severn crossings toll removal, balanced by Brexit, though looking positive for a busy 2020, give us a call for a free valuation,

you may be pleasantly surprised.

Moon & Co Lettings - Monmouthshire’s premier and largest Residential Lettings agent offers a numbers of services to suit

your needs. Lettings Manager Jon Benham quotes: 2019 was a fantastic year, demand has been high all year with rent levels

being achieved higher than ever. I think 2020 is going to be a great year to let your home, demand is set to continue to be

strong with many professional clients interested in relocating from the Bristol area.

Chepstow 01291 629292 • Magor/Undy Area 01633 745396 • Chepstow Lettings 01291 624881

www.thinkmoon.co.uk

PROPERTIES 9

bedroom

living room etc

Mynyddbach, Shirenewton, Chepstow

Moon & Co 01291 624881 www.thinkmoon.co.uk

Price

£649,950

Individually designed by an award winning architect, the stunning accommodation is set over

three floors and must be viewed to be fully appreciated.


The attention to detail is second to none, from the bespoke ash front door to the Nordan

powder coated and wooden double glazed windows and doors and the Lindab steel

rainwater goods. There are solar panels helping to generate green electricity and hot

water. The solar panels also work in conjunction with the mains gas boiler. Of particular

note is the superb open plan kitchen/dining/living room. There are full height windows

and doors to dual aspect overlooking the slate sun terrace and the landscaped gardens

to the rear.

bedroom

4/5

bedroom living room etc living room etc

bedroom bedroom

bathroom

bathroom

living room living room etc etc

bathroom

central heating

central heating


central heating central heating

bathroom bathroom


To the first floor, galleried landing which overlooks the living/dining space. There are 3

junior school nearby garage/covered as garage/covered parking well as Shirenewton, parking parking parkingboth of which have good local pubs which

parking

central heating

3 2 1

velux roof windows and window to the side elevation, letting natural light flood into

the landing and the living/dining space. Situated in Mynyddback, there is a sought after

serve food. Chepstow is close at hand with its attendant range of facilities. There are

bus and rail links here, and motorway networks that bring Newport, Cardiff, Bristol,

Gloucester and Cheltenham within commuting distance.

GAS

parking

DO YOU HAVE A

PROPERTY RELATED

BUSINESS OR SERVICE?

2 brand new issues per month

Out on the 1st & 15th

37,000 monthly print circulation

7,700 plus online views per month

3 distribution methods:

• Door to door in three towns • Rural delivery

• National and independent retailers

Why not advertise in the only property specific publication in

Monmouthshire, South Herefordshire and West Gloucestershire

Next Deadline 8th January

01600 717255

www.thepropertydrop.co.uk

info@thepropertydrop.co.uk

Online views average taken from Yumpu 1st March 2019

#THEPROPERTYDROP

Easy Let

and Property

Management

• Your Independent Letting Agent and a company who cares •

• Covering Gloucestershire, Herefordshire, Monmouthshire •

• Residential Letting, Commercial Letting, Block Management •

• We want quality Landlords and quality properties •

• We also need quality Holiday Cottages for our sister company

Wyedean Holiday Cottages. So if your occupancy rate is too low

or your fees too high then call us. •

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07791 761755 • 01981 580526

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Wyedean

HOLIDAY COTTAGES

www.easyletmanagement.co.uk

djandp.co.uk

newlandrennie.com

Rural Residential Commercial Design

Guide Price £995,000

Tidenham Monmouthshire

An attractive and immaculate family country home set in beautiful landscaped gardens of 1.5 acres. The original part of the house

dates back to the 17th century which has been enlarged over the centuries with a Georgian addition. In the grounds is the recently

converted Cider House providing separate ancillary living accommodation, currently used as a hobby room on the ground floor

and office above with cloakroom facilities. EPC rating F.

Chepstow office 01291 626775


Grosmont, Abergavenny Monmouthshire

A versatile farm or equestrian premises to include a 3 bedroom bungalow subject to an Agricultural Occupancy Clause and with

approximately 77 acres in total, plus a range of outbuildings and stables. Situated in a highly accessible position with excellent transport

links and stunning far reaching hillside views. The farm has been owned by the same family for over 70 years and has been used for

both equestrian and agricultural use, including successful race horse training. EPC rating E.

Monmouth office 01600 712916


Tregare, Monmouth Monmouthshire

An attractive period cottage with stone and brick elevations and a wealth of character. The cottage has the benefit of a level garden

and productive orchard with apple and pear trees. There is a detached brick-built former cider mill with tremendous scope for

conversion as an annexe/holiday let, subject to the necessary planning permission, and a large modern outbuilding/garage and

extensive parking. EPC rating E.


Chepstow Monmouthshire


An immaculately presented and deceptively spacious detached house that has been extended and modernised to provide a stunning

family home. The well-planned and versatile living accommodation boasts 6 bedrooms at first and second floor level with en suite

facilities, complimented by a family bathroom on the first floor and shower room on the second floor. The large lawned garden offers

plenty of space for children to play, with a decked sitting area and Arbour offering attractive areas to sit out. EPC rating C.


Llanvaches Monmouthshire


A charming 4 bedroom family home with countryside views just outside the popular village of Llanvaches. The layout provides the

option for 2 bedrooms to provide a separate self-contained suite either for dependent family members or utilised as offices for those

working from home. Viewing is highly recommended to appreciate the extent of the accommodation and possible options that the

layout of this deceptively spacious family home has to offer. EPC rating G.


Monmouth Monmouthshire


This attractive, stone-built, larger-than-average detached cottage, within walking distance of the town and schools and easy access to

A40, has been tastefully modernised and updated. It is being sold with a detached garage, parking for 3/4 cars and lawned wraparound

garden behind screen hedging. Located on the outskirts of Monmouth town and on the corner of the Leasbrook Lane which leads to

Monmouth Golf Club. EPC rating E.


PROPERTIES 11

New team member at

DJ&P Newland Rennie

DJ&P Newland Rennie are excited to announce that Sam Burston has joined their rural team to further

strengthen their professional services coverage of Monmouthshire and the surrounding counties.

Sam will be working alongside branch manager Chloe Rutsch together with John Jenkins,

who has been an integral part of the company for over 61 years and heads the Rural

Team at the Monmouth Office. The RICS accredited rural team work alongside the estate

agency arm of the business dealing with rural matters including; Sale & Acquisition, Valuation

& Finance, Planning & Development, Basic Payment Scheme & Environmental Stewardship,

Compulsory Purchase & Compensation, Estate Management, Renewables & Machinery Auctions.

Sam says “I am thrilled to working with DJ&P Newland Rennie who have a network of offices

throughout South Wales and around Bristol. As a firm DJ&P Newland Rennie have traditional

values and use modern technology to provide the latest practices. They are able to offer the full

package of property services from design and planning through to estate agency and professional

services. I am particularly honoured to work alongside John Jenkins, who is undoubtedly one

of the most experienced professionals in the region. He has an encyclopaedic knowledge of

professional matters and is hugely respected in the area. I look forward to working in Monmouth

with such a professional and experienced team”.

Sam who holds a Master’s degree in Rural Estate and Land Management originates from

Herefordshire but has family links to Monmouth. He has a proactive and energetic approach and

strongly believes in providing excellent customer service. Sam is a keen outdoor enthusiast and

rower, and looks forward to spending some of his leisure time in the mountains and on the river.

DJ&P Newland Rennie have been operating in Monmouthshire since 1849 won the coveted

Guild of Property Professionals Gold Award in 2019. Their offices are located on Monnow Street

at the heart of the town centre.

bedroom

living room etc

Kilgwrrwg House, Devauden, Chepstow

Newland Rennie 01291 626775 www.newlandrennie.com

Price

£725,000

bedroom bedroom


A beautiful detached period property in a sought after hamlet with many original features throughout.


Gardens and grounds, with countryside views, extending to approximately 2.5 acres.

Occupying beautiful grounds spanning approximately 2.5 acres in total, this magnificent

Period property is nestled at the bottom of the hill in a small cluster of houses, across

the field from one of the oldest churches in Wales, in the hamlet of Kilgwrrwg This

unique home is steeped in history and provides flexible accommodation.

Benefitting from views across the picturesque Monmouthshire countryside, and

distant views across to the Welsh Mountains. The house stands in mature gardens and

grounds extending to approximately 2.5 acres, affording views of the countryside with a

bathroom bathroom

5


garage/covered parking parking parking parking

bedroom bedroom

bathroom

bathroom



bathroom

central heating

central heating


parking

central heating

3 3 1

footpath leading to a bridge over the stream across to the old church. To the front of the

property there is a landscaped front garden area with mature shrubs and trees. There is

a hardstanding parking area belonging to Kilgwrrwg House with a drive continuing to

the garage/outbuilding.

The gardens extend to the rear of the house with a vegetable garden, greenhouse and

orchard which then opens to the grounds/paddock. The grounds are well maintained

with mown areas and a stream running along the boundary.

OIL

parking

GOVERNMENT LAND AND

PROPERTY AUCTION

Wilsons Auctions, Newport

ALSO

ONLINE

BIDDING

AVAILABLE

Wednesday 15th January 2020 | 6pm

2 Ty’n-Y-Gollen Court,

St. Mellons, Cardiff

Guide Price: £435,000

• Outstanding detached family home

• Spacious accommodation throughout

• Utility room/separate cloakroom and WC

• Five well proportioned bedrooms including master with en suite

• Double garage

Unit F2, Capital Point, Capital

Business Park, Parkway, Cardiff

Guide Price: £125,000

• Located on Cardiff’s premier industrial and distribution park

• Excellent links to the M4 and Cardiff City Centre

• Roller shutter

• WC facilities

• On-site parking

Wilsons Auctions’ Government Land & Property Auction takes place monthly and on the night

of the auction is amongst other Government seized assets including a range of luxury and designer

items in our Newport branch. To register for the auction please ensure you have read all the Terms

and Conditions of sale, are in receipt of a legal pack and have two forms of ID. Remote bidding is available.

OPEN DAY

SCHEDULE

AVAILABLE

Charlotte Ritchie

To book your space at the open days and for further information visit

02890 342626

charlotteritchie@wilsonsauctions.com www.wilsonsauctions.com

Auction House, Usk Way,

Newport, NP20 2BX

BELFAST | PORTADOWN | DALRY | DUBLIN | TELFORD | QUEENSFERRY | NEWCASTLE | MAIDSTONE | NEWPORT

Oaklands Holt

Weobley Herefordshire

A small development of 2

to 5 bedroom homes in a

vibrant village location

Whether you’re looking for a spacious

family property with open-plan living or

a low-maintenance home that offers you

comfort and convenience, Oaklands Holt in

Weobley could offer your ideal lifestyle.

01544 329292

sales@oaklandsholt.co.uk

www.oaklandsholt.co.uk

Prices from £215,000

freemanhomes

freemanhomes

14

THROUGH THE KEY HOLE

Fiendishly family-friendly

Sharon Chilcott visits a thoughtfully converted character cottage near Chepstow

Once a terrace of three, traditional rural dwellings, Rose Cottage has seen

many changes since it was requisitioned during World War 1 for the National

Shipyard at nearby Beachley, on the confluence of the Wye and the Severn.

Today the property is probably unrecognisable, as a freshly finished and fiendishly

family-friendly home. Yet, carefully retained and cleverly incorporated into its cool,

contemporary new look are some charming original features, including an open

fireplace and exposed beams. Its new décor also includes subtle nods to its heritage.

When project managers David and Kirsten Suttill had just finished the cottage’s

complete transformation, they found out that, sooner than expected, they had been

granted visas to work in Canada. If it was not for that, you get the impression that

Kirsten would definitely not be leaving her dream kitchen, with its sleek, fitted

cupboards, stone floor tiles, oak worktops and adjacent playroom!

“We finished it in about March. It’s got all the gadgets – a wine fridge, space

for a double fridge freezer, underfloor heating, which is lovely to walk on without

slippers…” What’s more, Kirsten was just beginning to appreciate the clever, new

kitchen and playroom layout. It is a welcome change from the cottage’s original

configuration, when the kitchen was a smaller room at the other end of the house.

“We have a two-year-old and a three-year-old so I wanted a playroom just off the

kitchen because I spend a lot of time here and I wanted to be able to interact with the

kids. Also, we would have people over and I would be stuck in the kitchen, where it

felt like I was locked away!”

The former kitchen now serves a new purpose as a home study, benefitting from

the peace and quiet away from the rest of the house! Alternatively, it could be used as

a fifth bedroom, served by the downstairs shower room.

The new kitchen, with a breakfast bar and casual dining space, has been designed

for ease of family living. Says David: “The playroom is off the kitchen and it’s a dead

end so it’s totally the kids’ area.” Meanwhile, French doors from the kitchen open to a

sheltered courtyard and a garden beyond, both carefully child proofed, with gates and

fences. The garden incorporates child-friendly features like a playhouse and there’s a

low-level basketball net in the courtyard and a matching pair of steering wheels for

their children to play cars.

Rose Cottage, on Beachley Road in Sedbury, had been converted into a single

house by the time David bought it. However, he understands it was once a terrace of

three cottages and believes that, before the first Severn Bridge was built, one of them

was home to a ferryman who worked on the ferry between Beachley and Aust. In

1917, when Beachley was taken over by the War Office to create a National Shipyard,

the inhabitants of these cottages and many other local dwellings had to move out with

only 11 days’ notice.

Since David bought Rose Cottage in 2006, he and Kirsten have updated and

improved it in stages. They emigrated to New Zealand mid-way through the project

before returning three years ago to complete its refurbishment. “It was a ramshackle

building and in a pretty rough state,” says David. “I basically just bought four walls

15

and a roof! It was part of the original mortgage conditions that it had to be re-wired

and treated for woodworm so everything was taken back to the bare walls, leaving just

a shell and I built it back from there.

“We rented it out when we went to live in New Zealand for six years and when we

came back, it was Kirsten who came up with the brainwave of moving the kitchen.

That has made the house much more inclusive and better for entertaining,” says

David.

The re-designed cottage now has a natural flow, with the front door opening into

a dining hall with doors leading off to the living room, study and kitchen. The focal

point of this light and airy room is a large open fireplace with a wood burning stove set

on a slate hearth. Whilst David sourced a reclaimed oak beam to form the lintel, the

fireplace itself is original and includes a little ledge at the back, which the couple use

for warming their Christmas mulled wine. On the wall opposite the fireplace, David

was careful to retain another quirky historic feature - a little alcove set up in the wall.

Keen to provide as much storage space as possible, the couple employed a skilled

local carpenter to build in cupboards under the stairs. He also made the built-in

wardrobes for two of the bedrooms.

The couple chose engineered oak flooring for the dining room and the adjacent

living room and carried this through into the conservatory. A beautiful addition to the

cottage, the stunning, handmade wooden conservatory opens from the living room

and looks over the front of the property. “In the summer, that’s our favourite part

of the house,” says Kirsten. The couple also love the sheltered Mediterranean-style

courtyard at the back of the property, which leads off from the kitchen. They have

strung lights over it so that in the evening it makes particularly atmospheric outdoor

entertaining space. “It’s like having another room,” says David. Kirsten adds that the

conservatory gets the sun in the morning and the courtyard gets the evening sun.

When the couple added the two-storey kitchen extension, they included a first

floor master suite with an en-suite bathroom and a walk-in dressing room. There are

an additional three double bedrooms in the older part of the property, one served by

an en-suite shower room and the others sharing a family bathroom.

Whilst it retains some of its original cottage features, Rose Cottage is decorated

in fashionable, neutral colours, to give it a fresh, contemporary feel. “I love grey and

pretty much everywhere I painted a wall, I did it a shade of grey,” says Kirsten. Here

and there are reminders of the cottage’s rural past – like the tractor seat-style stools at

the breakfast bar and the stylish feature tiles depicting animals incorporated into the

tiled splashback above the AEG five-ring induction hob. “I didn’t want chintzy, cottage

style,” says Kirsten. “I wanted it modern but in keeping.”

In a lovely location on the edge of Sedbury, Rose Cottage has views over trees

and fields to the front and sits in about quarter of an acre of gardens, mainly to the

side and back of the property, with well-maintained lawns, borders and shrubs. “The

people I bought it from were keen gardeners and they had planted lots of fruit trees

– walnuts, apples, pears,” says David. “They even left us a map to show what was

where,” adds Kirsten.

Leaving a property that they have planned to perfection is going to be a wrench for

the couple. “I really love this place…” says Kirsten. “It’s sad to have to leave…”

Get the Lifestyle

Rose Cottage, Beachley Road,

Sedbury is being marketed for

£549,950 by Moon and Co,

10 Bank Street, Chepstow 01291

629292 www.thinkmoon.co.uk

Main photos: Moon and Co;

additional photos: Sharon Chilcott

Get the Look

The engineered oak flooring, which the couple chose for the main living areas, is from Classic Floor Company,

18 St Mary’s Street, Chepstow 01291 409841 www.theclassicfloorcompany.co.uk

The courtyard and front patio are laid with paving slabs from The Home of Stone,

Whitecliff Quarry, Newland Street, Coleford 07968 996270 www.thehomeofstone.co.uk

The wood burner in the living room was supplied and installed by Salter Heating,

6 Station Road, Chepstow 01291 621545 www.salterheating.co.uk

Sharon Chilcott

Chepstow

01291 629799

Usk

01291 672034

Monmouth

01600 775930

Abergavenny

01873 736515

Ross-on-Wye

01989 764132

CAERWENT

Being sold for the first time in 28 years, this well presented four bedroomed detached

house offers well-proportioned accommodation and has been a much loved family

home for the present Vendors during that time. Situated at the end of a quiet cul-de-sac

in the popular historic village of Caerwent, the accommodation comprises entrance hall,

cloakroom, study, dining room, living room, conservatory, kitchen, utility room, four

bedrooms (master and bedroom three with en-suites) and Jack 'n' Jill family bathroom.

There is ample driveway parking and double garage together with attractive landscaped

gardens. EPC Rating: C

Fine & Country Chepstow 01291 629799 Guide price £500,000

SHIRENEWTON

To be sold for the first time in over 30 years an outstanding family size country cottage

in an idyllic unspoilt rural setting with the final approach off a long sweeping driveway.

Set in tranquil gardens and grounds extending to approximately two acres and yet so

accessible, just five miles from Chepstow and the Severn Bridge. The versatile

accommodation would benefit from some updating and comprises entrance hall, dining

room, study/snug, cloakroom, living room with feature stone fireplace, kitchen/breakfast

room together with four bedrooms (master with en-suite) and family bathroom. There

is ample parking and a triple bay garage. PP has been granted for an extension and

replacement double garage. No onward chain. EPC Rating: E

Fine & Country Chepstow 01291 629799 Offers over £650,000

Newport

01633 927277

Cardiff

02921 690690

UNDY

This elegant five bedroomed stone built house is located a short distance from Magor

Square, just a 3 minute driveway away from the M4 motorway network giving excellent

commuting for Bristol, London, Newport and Cardiff. The nearest railway station is just

5 minutes away for an easy commute to Cardiff, Bristol (and onward to London) and

Gloucester. The accommodation comprises entrance hall, living room, snug/dining room,

ground floor shower room, kitchen/breakfast room, utility room, inner hall, office/store

room, additional store room, five bedrooms, family bathroom and cellars. Driveway

approach with ample parking for several vehicles leading to the garages. Outbuildings.

Extensive mature garden and grounds. EPC Rating: G

PWLLMEYRIC, CHEPSTOW

Just some two miles from Chepstow and the Severn Bridge, an exquisite, beautifully

proportioned five bedroomed Georgian house which has been tastefully decorated and

presented throughout. This is an elegant, very spacious yet manageable and comfortable

family home with modern fittings blending with period features. There is an impressive

dining hall, four further reception rooms, fully fitted kitchen, five bedrooms to include

significant master suite, cellar and attic rooms. Beautifully landscaped yet easily

maintained gardens. Two double garages and sweeping 'in and out' driveway. EPC

Rating: D



Regionally

40 offices

throughout

Wales and the

South West

LYDNEY

A fine opportunity for a Grade II listed family home of character and substantial

subsidiary income from four self-contained holiday flats. Well situated in an elevated

setting close to the Forest of Dean and enjoying superb views over the nearby town of

Lydney to the distant Cotswolds. The renovated and refurbished period house has three

reception rooms and four bedrooms together with an independent self-contained

apartment with living room, kitchen, bedroom and shower room. The four remaining

holiday lets are contained within a two storey coach house standing within the beautiful

mature gardens. EPC Rating: N/A

PEN-Y-CAE MAWR

A detached five bedroomed house nestled in a secluded location, away from

the hustle and bustle of everyday life, offering some of the county's finest

views over miles of rolling Monmouthshire countryside which also includes

professional standard equestrian facilities in the heart of equine sporting

country all set within 50 acres of land together with an extensive range of

outbuildings and a 25m x 44m all-weather floodlit outdoor arena. EPC Rating:

D

Nationally

225 offices across

Great Britain

Internationally

Plus 75

offices globally

Fine & Country Chepstow 01291 629799 Guide price £1,000,000

Fine & Country Chepstow 01291 629799 Guide price £1,800,000

5000

professional

associates all

around the world

LANGSTONE

Conveniently situated off a long private drive in a popular area, consisting of

two properties: a four bedroom refurbished old farmhouse offering excellent

family accommodation with a very attractive south west facing private garden

plus a large detached two bedroom bungalow making it an ideal home for two

families or for letting income. In addition there is a large garage and an old

workshop with potential. EPC Rating: D

LLANFRECHFA

A superb opportunity to acquire a particularly well appointed Equestrian property - 5 bed detached

farm house set in approximately 14 acres of excellent pasture land in an idyllic rural surrounding with

far reaching rural views from every aspect. This equestrian property has been particularly well

maintained & tastefully appointed & the accommodation we understands dates from circa 1800. The

property has the benefit of 3 receps, a particularly well appointed kitchen, utility room, g/ floor

cloaks/shower & to the 1st floor 5 beds & a spacious family bathroom also with shower. Externally

the property has a steel portal barn which houses 5 Monarch stables including 2 foaling boxes, 1

wash box & a secure tack room. To one side of the barn lies a professionally installed schooling

arena & apart from the approx 14 acres the house stands in well ordered mature gardens. EPC

Rating: E

Fine & Country Newport 01633 927277 Guide price £775,000

Fine & Country Newport 01633 927277 Guide price £850,000

3 1 1 C

3 1 1 C

4 3 1 B

3 1 1 D

SEDBURY, CHEPSTOW

Well presented 3 bed mid-terraced house

Ideal for first time buyer or as an investment

Easy access to M48 motorway network

Archer & Co Chepstow 01291 62 62 62

Guide price £180,000

BULWARK, CHEPSTOW

Mid terraced three bedroomed house

Convenient for the M48 motorway network

No onward chain



COLEFORD

Extremely well presented three storey 4 bed house

Easy to maintain gardens

Off road parking & garage

Archer & Co Forest of Dean 01594 715888


SEDBURY, CHEPSTOW

Detached three bedroomed bungalow

Very popular location close to local amenities

Close proximity to M48 for onward commuting



3 1 2 D

3 1 2 D

3 2 2 C

4 1 2 D

TUTSHILL, CHEPSTOW

Charming end of terrace cottage

Low maintenance attractive gardens

Easy commuting via the M48 motorway



THE DANES, CHEPSTOW

Modern three bedroomed detached house

Easy access to M48 Severn Bridge for commuting

No onward chain



CHEPSTOW

Modern three storey 3 bed town house

Five minute drive to M48 motorway

Garage plus 2 parking spaces



MATHERN

Well presented 4 bed detached family home

End of quiet cul-de-sac in popular village location

Approx 2 miles from M48 Severn Bridge



3 1 2 D

4 2 2 D

4 2 1 C

4 2 3 E

CHEPSTOW

Detached 3 bed family home

Convenient for M48 motorway network

No onward chain



LLANDEVAUD

Stunning four bedroom family home

Off road parking & double garage

Landscaped rear garden with superb countryside views

Archer & Co Newport 01633 449884


BULWARK, CHEPSTOW

Extremely well presented modern family home

Very popular location, easy access to M48 motorway

luxury kitchen, bathroom & en-suite



SHIRENEWTON

Semi-detached four bedroomed house

Garage & parking for three cars

Easy access to M48 motorway



16 8 7 N/A

5 4 2 C

4 3 2 D

3 1 2 C

NEWLAND

Substantial period house with potential

Versatile- ideal for large family or B&B

Up to 16 main beds 2 self-contained flats

Archer & Co Forest of Dean 01594 715888


CHEPSTOW

Well presented modern three storey town house

5 bedrooms plus 3 en suites & family bathroom

Easy drive to M48 for commuting



LLANVACHES

Spacious detached 4 bed family home

Magnificent views

Level landscaped gardens


Offers over £550,000

TUTSHILL, CHEPSTOW

Two/three bedroomed semi-detached bungalow

Recently completely updated & refurbished

No onward chain



chepstow usk newport forest of dean london archerandco.com

Associated Park Lane office

PROPERTIES 19

bedroom

living room etc

Home Farm Court, Shirenewton, Chepstow

Archer & Co 01291 626262 www.archerandco.com

Price

£450,000

bedroom bedroom

Immaculately presented three bedroomed stone built semi-detached cottage style property offering


approx. 1700 sq ft of spacious and versatile accommodation within a prestigious, private development of


bathroom bathroom


9 further luxury developments set within approx. 8 acres of beautifully landscaped communal parkland.

3


bedroom bedroom

bathroom

bathroom


bathroom

central heating

central heating

central heating

1 3 2

GAS


parking

This unique development is situated on the edge of the popular village of Shirenewton

which boasts three pubs, highly regarded primary school and transport for the

Haberdasher’s Schools in Monmouth and St Johns on the Hill Preparatory School in

Chepstow. The Vendors have enjoyed an idyllic lifestyle at the property for the past 11

years and were drawn to the unusual nature of the cottage, the stunning surroundings

and the room dimensions when they first viewed. They say it has felt like a relaxing

country retreat yet within 40 minutes of both Bristol and Cardiff for work commitments

.

The cottage is located on the edge of rolling countryside and within close proximity of

Wentwood Forest, one of the largest ancient woodlands in Wales and ninth largest in

garage/covered parking parking parking parking

the UK offering a wealth of opportunities for the outdoor enthusiast including walking,

cycling and sublime hacking. The accommodation comprises vestibule/boot room,

entrance hall, living room, cloakroom, magnificent kitchen/breakfast/family room

and three bedrooms (all with en-suites). There are attractive low maintenance gardens

together with a double garage. There is no onward chain.

bedroom

living room etc

Llanishen, Chepstow, Monmouthshire

Fine & Country 01291 629799 www.fineandcountry.com

An outstanding individual architect designed home, delightfully rural yet accessible, it lies down a leafy lane


on the edge of the village of Llanishen, approximately 7 miles from Monmouth and 8 miles from Chepstow.

The house itself is in an elevated yet sheltered position

and commands truly breath-taking views over the Vale

of Usk towards the Blorenge. Built in the 1960s the

property has a light and airy contemporary feel. Designed

over two levels, the upper level being the main residence

and the lower level affording two self contained flats

(for relatives, guests or having income potential). The

Price

£850,000

bedroom bedroom

bathroom bathroom

Vendor has made this a much loved home for the last

14 years during which time there have been substantial

improvements. Three years ago a major extension

was added providing yet more light and space and

exceptional features for the wheelchair user (many of

these mobility features have been designed for ease of

removal if so desired) There has been re-wiring plumbing

5




bedroom bedroom

bathroom

bathroom



bathroom

central heating

central heating


parking

central heating

3 3 2

and upgraded insulation installed throughout the

property and a modern treatment plant drainage system

has also been added. There are a plethora of walks over

parking parking

the surrounding countryside and motorway links are

accessed at Monmouth and Chepstow for the M4, M48

and M50 for Newport, Cardiff, Gloucester, Bristol and

London. Rail links are at Chepstow and Newport.

OIL

parking

20

PROPERTIES

bedroom

living room etc

7 New Market Street, Usk, Monmouthshire

Archer & Co 01291 672212 www.archerandco.com

Price

£699,500

Superbly presented Grade II listed family home with original features throughout in convenient central location.

This delightful well proportioned Grade II Listed property has been particularly well

maintained and tastefully decorated by the present owner and offers spacious family

accommodation with a plethora of unique and original features. We understand that

the original cottage of the property dates from circa 1450 and for two centuries the

property was a local public house called The White Lion.

Having been sympathetically renovated the property has the benefit of a fully automatic

wall mounted gas fired boiler situated in the kitchen which provides hot water for both

domestic and central heating use. It should also be noted that the property has been

wired throughout for broadband and sky tv and the Home Office situated at the end

bedroom bedroom

4


bedroom bedroom

bathroom

bathroom


bathroom

central heating

central heating



of the garden has broadband linked via a network cable. Situated in the heart of the


ever popular bathroom bathroom and prestigious former market Town garage/covered of Usk the parking parking

property is situated in a

convenient and level position within easy walking distance of all local amenities. Usk

itself is situated in the heart of Monmouthshire with excellent road links via the A449

to both the M4 giving garage/covered access parking to parking Cardiff, parking Bristol parking and London and the M50 at Monmouth

giving access to the M5 and the Midlands etc.

N.B. Please note that given the age of the property many of the rooms are of unusual

design and shape consequently measurements have been taken as an average and should

therefore be considered as a guide only.

parking

central heating

2 2 1

GAS

parking

2020 forecast of 2% price rise as

election gives window of certainty

The majority government result could pave the way for pent-up demand to be released in the spring market.

Rightmove forecasts a 2% rise in price of property coming to market in 2020

as the majority government gives home movers a window of certainty for an

active spring moving season.

Rightmove’s property expert Miles Shipside said: “With much of the political

uncertainty removed, we expect that the number of properties for sale will recover as

more new sellers come to market, making up some of this year’s lost ground.

“However, property supply is still limited, with estate agents having the lowest

proportion of properties available for sale in two years, and this will fuel modest gains

in the national average asking price of property coming to market.

“The fundamentals remain sound with low interest rates, lenders competing to

lend, high employment, and average wage growth outstripping house price growth

and helping buyer affordability.”

Rightmove measures the prices of 95% of property coming to market, and while

our prediction of a 2% price rise in 2020 is more than twice the current annual rate of

0.8%, it’s still a relatively marginal increase as it’s a price-sensitive market.

One year ago we forecast that there would on average be no upwards price

movement, with 2019 seeing a subdued 0% price change given the uncertain outlook

and stretched buyer affordability.

2019’s annual rise stands marginally above our forecast at 0.8%, with a stronger

than anticipated end to the year. This month’s 0.9% fall is the smallest at this time of

year since December 2006. Prices are being under-pinned and pushed upwards by

demand outstripping supply.

Demand from buyers has remained almost level, with the number of sales agreed

so far in 2019 down by just 3% on the same period in 2018 despite the political

uncertainty. In contrast, the number of properties coming to market is down by 8%.

Shipside added: “First-time buyers are the drivers of the market. Too many are

struggling to save the necessary deposits, and not all of them want to buy a new-build

home through Help To Buy.

“More ways of getting more people onto the ladder would help to limit rising

rents, increase liquidity and transaction numbers in the housing market, and make the

dreams of their own roofs above their heads a reality for many more of the younger

generation.”

Traditional design and

contemporary style.

It can only be Redrow

Style and quality as standard in Lydney

Move to a Redrow home and enjoy your dream home

built with high specifications throughout and designed

to offer the best in modern living.

3 & 4 bedroom homes from £284,995

Book your appointment today.

Severn Heights

Lydney GL15 5FA | Call: 01594 501844 | redrow.co.uk

Details correct at time of going to print. Image is indicative only.

THE ROLLS BUILDING

Hereford Road, Monmouth NP25 3PY

LAST CHANCE TO BUY

LAST APARTMENT

REMAINING

• New build apartment

• Ground floor, one bedroom

• Flooring fitted throughout

• Heart of Monmouth Town

• Allocated parking

• Chain free

• Help to Buy Wales available*

• Priced at £165,000

*Terms & conditions apply

Tel: 01454 316633

Email: info@redcliffehomes.co.uk

redcliffehomes.co.uk

FINANCE

23

3 ways to help your child get

on to the property ladder

Many first-time buyers rely on the ‘Bank of Mum and Dad’ to help them get on to the property market.

Research suggests the average contribution is now £24,100 1 . With that in mind,

we explore alternative ways to help your child.

Joint mortgages:

This allows you to act as your child’s sponsor. It’s designed to help those who have

saved enough of a deposit but are limited on how much they can borrow; therefore, it

can include a parent’s income to help them borrow more than on their single income.

You and your child are jointly liable for the mortgage.

Family springboard mortgages:

Your child pays a 5% deposit to secure a traditional 95% mortgage. You deposit

10% into an account with their mortgage provider, to cover any monthly payments

your child cannot meet. The money will need to be held for five years, earning

interest, before you can take it back.

Acting as guarantor:

Some banks allow you to act as guarantor by undertaking cover repayments

should your child default, or you can guarantee the extra portion over and above the

amount covered by your child’s income.

Securing any mortgage is never guaranteed as so many variables come in to

play. Take the stress out of helping your child with advice from Cooper Associates

Mortgages, who have a wealth of experience in a variety of residential mortgages.

Please call 01291 445 695 or email jonathan.s@cooperassociatesltd.com to arrange a

free, no obligation meeting.

1

Legal & General research, 2019

Are you paying for

mortgage advice?

Ask us about:

• Fee-free mortgage advice

• Whole of Market coverage

• Face-to-face advice

• No obligation appointments

01291 445695

jonathan.s@cooperassociatesltd.com

Your home may be repossessed if you do not keep up repayments on your mortgage.

Cooper Associates Mortgages is authorised and regulated by the Financial Conduct

Authority and is on the Financial Services Register (493369).

Sales - Monmouth

Must

View

Sales - Monmouth

Rural

Location

Sales - Monmouth

Must

View

Sales - Monmouth

Must

View

Goldwire Lane £185,000

MONMOUTH TOWN LOCATION, benefits from 3 BEDROOMS,

NEWLY INSTALLED GAS central heating, CONSERVATORY and OFF

ROAD PARKING. Excellent first time buy, downsize or investment

opportunity.

EPC - C

Queens Hill £200,000 The Downhams £220,000

This property briefly comprises of LOUNGE with gas fire, KITCHEN/

DINING with GARDEN ROOM off, 3 GOOD SIZED BEDROOMS and

SHOWER ROOM with separate WC upstairs. Outside to the rear

of the property has a good sized garden with SHEDS and GREEN

HOUSE and front garden with OPEN COUNTRYSIDE VIEWS. EPC- F

This 3 BEDROOM property provides lounge, kitchen,

CONSERVATORY, GOOD SIZED bedrooms with COUNTRYSIDE

VIEWS to the front and family bathroom. There is a LAWNED

GARDEN TO FRONT and FULLY ENCLOSED rear low maintenance

garden to the rear of the property plus off road parking! EPC - D

Rushey Meadow £270,000

This 3 bedroom detached house is situated on the fringe of the

popular Rockfield Estate in Monmouth close to local amenities,

schools, walking distance to the Town centre or a short bus

journey! Garden offers a good degree of privacy with rear gated

access to the garage and driveway. EPC- D

Sales - Monmouth

Must

View

Sales - Monmouth

Must

View

Sales - Monmouth

Rural

Location

Must

View

Sales - Monmouth

Duchess Road £350,000

Belvedere, New Dixton Road £375,000

Prospect Cottage £625,000

The Cottage £750,000

OPPORTUNITY FOR A GOOD SIZE PLOT - DON’T MISS OUT! Set in a

pleasant area of Osbaston, this four bedroom Chalet bungalow has

a single garage, large garden, access to schools and Monmouth

Town Centre.

EPC - E

Pa Black are delighted to offer for sale this superb, extended and

well presented traditional three/four bedroom semi-detached

property which is Located just a short distance from Monmouth’s

centre and schools. Driveway and garage. The property comes

highly recommended! EPC - E

4 BEDROOM RURAL COTTAGE built in around 1835 has been used

as an Award winning boutique B&B business, with very flexible

accommodation and scope for multi generation living or just as a

large single family home. MUST BE VIEWED!!!

EPC - E

PA Black are delighted to offer for sale this superb detached

extended cottage set in this highly sought after rural location

between Monmouth and Chepstow in a tranquil setting within

circa 3.8 acres with the option of purchasing an addition 24 acres

under separate negotiation. EPC - E

Brilliant

first time

home

Sales - Chepstow

Sales - Chepstow

NO

CHAIN

Sales - Chepstow

Off

Street Parking

Sales - Chepstow

Quiet

Cul - du -Sac

Maple Avenue £175,000

Green Street £235,000

St Anne’s Crescent £229,950

Bigstone Meadow £259,950

Well-presented modern to bedroom end of link home which is

situated in this sought after location. Accommodation comprises

of a lounge, kitchen/breakfast room to the ground floor. Two

bedrooms and a bathroom to the first floor. Parking. PRICED TO

SELL! EPC - D

A fantastic opportunity to purchase this three bedroom mid terraced

property which has been improved and set in this sought after and

convenient location. Located close to local amenities within the

market town of Chepstow. Popular schools nearby as well as bus,

road & rail links. NO CHAIN! EPC - TBC

A great opportunity to purchase this extended and well-presented

larger than average modern three bedroom semi-detached with

a generous conservatory extension creating flexible family space.

Driveway. Gardens. MUST BE VIEWED! EPC - TBC

A great opportunity to purchase this very well presented modern

FOUR bedroom mid-terraced, three-storey property which has been

in the current vendors’ family since it was built. Close proximity

to local schools and amenities. Driveway & GARAGE. MUST BE

VIEWED! EPC - TBC

Sales - Chepstow

NEW

Property

Sales - Chepstow

Rural

Location

Sales - Chepstow

Superb

Detached

Bungalow

Sales - Chepstow

Immaculately

Presented

Farm Home

Dingleside £425,000 Nurtons Cottage £480,000

A fantastic opportunity to purchase this superb four bedroom

Victorian period family home which is located on the outskirts of

the Town Centre. Set in this semi elevated position with extensive

views over the Town, the Severn Estuary and beyond. Garage &

Driveway. MUST BE VIEWED! EPC - TBC

Stunning four bedroom detached character property. Set in a nature

reserve and Area of Outstanding Natural Beauty, the property

includes two acres of wooded hillside, bordered by the popular

Wye Valley Walk. The house is situated adjacent to the main road

and bus stops linking Monmouth and Chepstow. EPC - D

Broadstone £585,000

Stunning extended detached four double bedroom bungalow

which has been extensively updated & improved by its current

owners. Situated above the Wye Valley, an area of outstanding

natural beauty. Must be viewed to be fully appreciated.

EPC - E

West End House £595,000

AN IMPRESSIVE DECEPTIVELY SPACIOUS DETACHED FAMILY HOME

WITH ADJOINING BARN SET IN THE DESIRABLE UNDY AREA! This

impressive THREE STOREY, FOUR bedroom detached property offers

space and adaptability. With great links to M4 for Bristol, Cardiff

and London. MUST BE VIEWED! EPC- TBC

PROPERTIES 25

bedroom

living room etc

Willow Drive, Rockfield

pa black 01600 714355 www.pablack.co.uk

Price

£450,000

bedroom bedroom


bedroom bedroom

bathroom


within easy walking distance of the local school and just a mile from the town centre, offering a level walk into


bathroom bathroom


town as well as good access to local schools and bus routes. EPC - C.

6

living room living room etc central etc heating

2 4 2

bathroom

bathroom

central heating

garage/covered

central heating

parking

This well-presented 6 bedroom detached property is located on the ever popular Rockfield estate

ELECTRIC

parking

The property consist of kitchen/diner, lounge, study/bedroom, large conservatory and

also benefits from a converted garage to create a double bedroom with en-suite wet-room

to the ground floor giving family flexibility. To the first floor the master bedroom has

an en-suite shower room and two bedrooms share a ‘Jack & Jill’ shower room. Outside

the low maintenance rear garden has patio and decking dining areas planted with

mature trees and shrubs and a large workshop, the front offers parking for 2 vehicles.

Monmouth offers great transport links to surrounding areas via the A449 and A40 on

to the M4 and M50 motorway garage/covered parking parking networks, parking parking making it an ideal location for commuters to

both Bristol and Cardiff. Well designed layout with neutral decor and provides flexible

living with lounge, cloakroom, kitchen/diner, 6 bedrooms 3 with en-suites. The rear

low maintenance garden is a ‘haven’ offering a good degree of privacy, planted with

mature trees and shrubs and off road parking to the front. EPC- C.

bedroom

living room etc

Merton Green

pa black 01291 630876 www.pablack.co.uk

Three storey well proportioned accommodation with double garage & driveway.

Formerly the show home - must be veiwed!

A fantastic opportunity to purchase this modern larger

than average and well proportioned three storey FIVE

bedroom detached family home with over 1800sq ft of

living space. Formerly the show home enjoys a prime

location on the development opposite the large green and

play area for small children.

Price

£420,000

bedroom bedroom

bathroom bathroom

The property is situated in the semi rural and historic

area of Caerwent which has great commuter links to

Bristol and Cardiff.


Well presented accommodation comprises of a hallway,

lounge, study, cloakroom/WC, kitchen/breakfast room to

the ground floor. Family bathroom and three bedroom

5



bedroom bedroom

bathroom

bathroom

(master with ensuite) to the first floor and a further three

bedrooms and shower room to the second floor. The

property also benefits from Upvc double glazing and gas

parking parking

central heating. Front and rear gardens. Double garage

with driveway!

MUST BE VIEWED! EPC - C.


central heating

central heating



bathroom


parking

parking

central heating

2 4 2

GAS

parking

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Membership must be obtained before purchases can be made. JN21408

ADVICE

27

Your responsibilities

when buying

a property

Whilst your conveyancer will deal with the legal aspects of your purchase

there are several matters that will be your responsibility.

You can assist your conveyancer to progress your purchase as quickly

and efficiently as possible and so avoid any unnecessary delays.

• Budget - Long before you commit to the transaction you should do your sums

to make sure that all the money needed to complete your purchase is available to

you and can be credited to your Solicitors Client Account at the point of exchange

and completion. When considering your budget, you not only need to take into

consideration the purchase price but also the additional costs including: -

• Solicitors fees - these will vary depending on the purchase price, complexity of

the title and the amount of work involved.

• Disbursements - These are third party costs undertaken by your Solicitor but

which you will need to pay for, such as Land Registry fees, Search fees and Stamp

Duty Land Transaction Tax. We recommend that you obtain two or three costs

estimates that should include the disbursements before instructing a Solicitor.

Whilst cost is important you should not let price completely rule your decision, it

is equally important that you appoint someone who you feel comfortable with and

offers the type of service you are looking for.

• Mortgage Providers Fee - This varies from lender to lender and usually

includes a fee for the lenders surveyor to value the property.

• Survey Fee - It is not safe to rely on the valuation report obtained by a mortgage

lender as it is not designed to check for defects in the property but merely to assess

its approximate value.

• Removal Costs - This may include appointing a firm of removers or hiring

your own van.

• Survey - Your Solicitor does not carry out a physical inspection of the property

and is not qualified to advise on its physical condition. When you buy a property,

you buy it in its existing condition with any defects both known and unknown,

for this reason it is advisable to arrange a survey before you exchange Contracts to

ensure you are aware of any defects so you can budget accordingly.

• Boundaries - Your Solicitor does not visit the property so you should check

that the boundaries shown on the title plan match the physical boundaries of

the property, including its garden, garage etc, as they are on the ground. Let your

Surveyor and Solicitor know as soon as possible if there are any discrepancies.

• Mortgage - If you need a mortgage to fund your purchase then it is your

responsibility to apply for and obtain a mortgage offer before Contracts are

exchanged.

• Insurance - When buying a freehold property, you will usually have to put

appropriate buildings insurance on cover from exchange of Contracts. For this

reason, you are advised to make enquiries about buildings insurance at an early

stage to avoid delaying an exchange of Contracts. If you are having a mortgage

you should check your lender’s specific requirements about buildings insurance

cover to ensure that the insurance, you arrange meets the lender’s requirements.

You will need to provide your Solicitor with evidence of your buildings insurance

cover before they can release the mortgage money.

• Deposit and balance of purchase price - It is your responsibility to

ensure that you have the funds necessary to complete your purchase. If completion

is delayed because you have not made funds available to your Solicitor in good

time, you will be liable to pay interest and compensation to the Seller if you fail to

complete on the date and time fixed for completion in the contract.

This is just a brief summary and not an exhaustive list, if you would like more

information or for a no obligation discussion or estimate of costs please contact Okells

FrancisLaw LLP on either 01989 762009 or 01594 842242 or email us on office@

okells-law.co.uk

Established Local Solicitors

ALL PROPERTY TRANSACTIONS

COMMERCIAL PROPERTY

AGRICULTURAL MATTERS

WILLS, PROBATES, TRUSTS

ESTATE MANAGEMENT

EMPLOYMENT LAW

Contact

us for an FAMILY initial no LAW obligation consultation.

PERSONAL FINANCE AND TAX-PLANNING

Contact

us for an initial no obligation consultation.

Tel:

Ross-on-Wye Office 01989 762009

Tel:

Lydney Office 01594 842242

Email:

office@okells-law.co.uk

www.okells-law.co.uk

28 FINANCE

Property Tax:

Tax on the Sale of Residential Property

There are three major changes on the horizon which

will affect the sale of residential properties.

The changes are:

1. Replacement of lettings relief with lodgers relief

2. Reduction of the final exempt period

3. Reporting capital gain

All of the changes come into effect from 6 April 2020.

It is important to bear in mind that the disposal date for capital gains tax purposes

is the date that contracts are exchanged rather than the completion date.

None of the changes affect sales where the property has been your main residence

for the whole period of ownership.

Let us look at each of the above in turn.

Replacement of lettings relief

with “lodgers” relief

The current position

At present, where a let residential property is sold and it has been your main

residence at some point during ownership, as well as receiving exemption from capital

gains tax for the period for which the property was your main residence, you can also

claim lettings relief for the period for which the property is let.

The amount that you can claim is the lowest of the following:

• The amount of gain attributable to the let property on a time-apportioned basis,

• The amount of main residence relief claimed for the period during which you lived

in the property, and

• The maximum amount prescribed by tax legislation of £40,000.

The position from 6 April 2020

Under the new rules, lettings relief disappears, unless you have lived in the

property at the same time as a lodger. Such instances would be relatively uncommon.

Reduction of the final exempt period


Under the current rules, the last 18 months of ownership is always exempt

from capital gains tax, provided that you have occupied the property as your main

residence at some point during your period of ownership.


From 6 April 2020, the final exempt period is reduced from 18 months to 9

months.

Reporting a capital gain


All capital gains, including residential property are reported on a self-assessment

tax return, which must be submitted to HMRC by 31 January following the end of the

tax year. The tax is due for payment on the same date.


From 6 April 2020, any chargeable gain on a residential property must be

reported to HMRC and the tax paid within 30 days of completion. It may not always

be possible to determine the rate of capital gains tax payable due to the interaction

between income tax and capital gains tax rates, the possibility of further capital gains

or losses arising in the same tax year, etc., so an estimate may be required.

You still have to report any gains on the self-assessment tax return by 31 January

following the end of the tax year as well. Any tax paid on account under the “30-day

return” is taken into account when arriving at the final liabilities for the tax year.

Conclusion

The conclusion is that, if you are

planning on selling a property which

is likely to be affected by the new

rules, it would be better to exchange

contracts before 6 April 2020.

If you are selling a property

likely to be affected but are unable

to sell, it may be better to engineer a

deemed disposal before 6 April 2020

to crystallise the reliefs before they

disappear, for example by transferring

the property to a trust prior to sale.

If you feel that you may be affected

by the above changes and would like

to discuss any aspect of the new rules,

please contact our Tax Team on 01633

871122.

Please note: This article is a

commentary on general principles and

should not be interpreted as advice for

your specific situation.

mortgages, life insurance and finance specialists

4 Re Mortgage

4 Overseas Mortgages

4 Buy To Let Mortgage

4 Let To Buy

4 Help To Buy

Top Floor, The Market Tavern, 26 Agincourt Square, Monmouth NP25 3BT

E: blestium@hotmail.com

Tel: 01600 775393

4 Equity Release

4 Protection

4 Asset Finance

4 No broker fees

Professional Impartial Confidential

www.blestium.com

LEGAL

29

Unlock the value of your home

with Equity Release

Improving health and an increase in life expectancy is putting a strain on people who fund their lifestyle on

limited resources, particularly in times of instability on stock markets and low interest rates.

Coupled with this is the increase in debt being carried into retirement, funding the provision of care,

supporting children in adulthood and the growth in relationship breakdown with the over 60s.

As an owner, your property is probably your biggest asset and with the passage of time there has

been an ever-increasing number of homeowners turning to equity release as a means of releasing some of the

tax-free cash tied up in it. What started off as a scheme to enable people in need to release capital or income

from their home has developed into an integral part of financial planning to be used in a variety of ways

including:

• maintaining your standard of living by supplementing income or replacing capital

• consolidating credit cards, loans and other debts

• paying off an interest-only age restricted mortgage

• home improvements and adaptations

• holiday of a lifetime

• funding medical and social care

• assisting children and grandchildren on the property ladder

• funding divorce or civil partnership settlements for self or children

• paying school and university fees

• mitigating inheritance tax

Equity release is highly regulated and there are many safeguards in place to protect

those who take out a plan, however, it is important that advice is sought from a

specialist solicitor and financial adviser with the relevant experience early in the process.

GWYN JAMES

S O L I C I T O R S

THE PROPERTY SPECIALISTS

u Residential Sales and Purchases

u Remortgage

u Buy to Let

u Shared Equity Purchases

u Help to Buy Schemes

u Leasehold Properties

u Equity Release

u Property Trusts

u Sharing Ownership

u Property Disputes

COLEFORD | MONMOUTH | ROSS ON WYE | CINDERFORD

(01594 833042) (01600 775950) (01989 564209) (01594 822277)

(01594 833042) (01600 775950) (01989 564209) (01594 822277)

info@gwynjames.co.uk

www.gwynjames.co.uk

Gwyn James Solicitors is a trading name of Gwyn James Legal Limited

which is authorised and regulated by the Solicitors Regulation Authority

30 HOME IMPROVEMENTS

Composite Doors

The right front door can create and maintain a great first impression. There are many different types of doors

on the market which you can install in your home, however the sheer variety of standards of quality, design and

security features differ can make the product and installation choice seem more difficult than it needs to be.

Every homeowner may have different priorities when it comes to their choice

of door, from the look and overall style, to the security features and level of

weather resistance.

So, what is a composite door?

A composite door is made up of a combination of materials which have been

selected for their beneficial properties. Combining materials aims to eradicate

the flaws that are found in singular material doors, making this type of door the

newest and smartest design on the market (as well as one of the most popular).

They have a ridged polymer frame and insulating foam core, made up of multilayers

which provide high resistance to weathering and will not react to seasonal

changes. These doors come in a variety of woodgrain effects which is not only made

to be damage and impact resistant but can also help the door suit any type of property,

whether that be traditional or modern.

What are the benefits of a composite door?

Durable and weather resistant

Composite doors are a solid, robust and an extremely durable solution which has

a high resistance to weathering, their strength makes them perfect for a door. Their

thermal performance is excellent, with high resistance and an insulating foam core

to keep the cold air out they prevent all types of draughts. A composite door will

typically achieve A energy rating, preventing your energy bills from getting out of

control during the winter months and helping to remain environmentally friendly.

Low maintenance

One of the biggest bonuses to having a composite door are that they are virtually

maintenance-free. The door has a GRP (glass reinforced plastic) surface which will

not fade, warp or even crack. You will not need to paint or varnish your doors; all we

advise you to do is wipe it down every now and then to keep its appearance shining

and looking great all year round!

Aesthetics

Our composite doors are available in a variety of wood effect finishes, an

unrivalled range of door designs, 14 different colour options, decorative glazing, and a

wide variety of door furniture to suit any style of property (from the traditional to the

more modern).

Security

Due to the nature of the materials and modern design, the solid and robust type of

door can withstand any knocks and bumps. Composite doors are more secure than a

traditional timber door meaning they offer the highest level of security on the market.

It is reported by Home Office Official Statistics that 67% of burglars break in

through doors – therefore our composite doors use only the best quality multi-point

locking systems to keep your home and family fully protected.

For all your home improvement demands, here at Glevum we can transform your

home. From composite doors and uPVC windows, all the way to conservatories and

orangeries, we can finish off your homes with high-quality products and exceptional

service.

We also offer the full industry-standard guarantee on all their products starting

with ten years guarantee on the frames, sealed glass units, hinges and locking

systems. Get in touch now to learn all about our full product range, including our

composite doors!

FREE HOME IMPROVEMENTS

AVAILABLE NOW

Subject to qualifying criteria

WARMING HOMES ACROSS

YOUR LOCAL AREA

Evolve Home Energy Solutions is proud to

be bringing 125 years of energy efficiency

experience to the local area and is looking

for hundreds of people - homeowners and

renters - to to take advantage of their latest

pot of Government-backed funding.

The ‘ECO 3’ funding is supplied by energy

companies, enforced by the Governments

Goverment’s

Department for Business, Energy & Industrial

Strategy and accessed by Evolve on behalf

of local people. The cash comes from energy

companies as part of their obligation and is

used by approved contractors, such as Evolve,

to install energy-efficient home improvements

at greatly reduced rates for customers.

Hundreds of thousands of pounds worth of

funding is available and Evolve would like to

see as much of this as possible being invested

into local homes. Improvements covered by

the funding include cavity wall insulation,

heating system replacement, loft insulation

and external wall insulation.

Residents in reciept of qualifying benefits (see

right) are currently top of the list for receiving

the highest levels of funding, making the work

CALL: 0800 292 2554

EMAIL: info@evolvehes.co.uk

VISIT: www.evolvehes.co.uk

FREE in many cases. However, it’s not just

this group that can apply, discounted prices

are available for all householders, regardless

of circumstances or income.

Paul Simpson, who heads up Evolve’s Energy

Advice Team commented: “I urge all local

residents to get in touch and find out what

we can do to make your home warmer and

reduce your heating bills. ECO 3 funding

won’t be around forever and we’d hate to

disappoint householders looking for a new

boiler, wanting to reduce draughts from their

loft space or wanting insulated walls. Our

friendly team will talk you through the process

and ensure you access all the improvements

you’re entitled to.”

Acting now will not only bring you the

benefits of a warmer home and lower fuel

bills, but will contribute to making the UK

a more energy efficient nation and help to

conserve precious fuel reserves by using less

to achieve the same level of warmth.

Call 0800 292 2554 TODAY to access your

share of the funding.

Energy Efficient

Home Improvements

Explained...

Starting with the external walls of a home,

either cavity wall insulation can be installed

in between the two layers of a property’s

bricks, or insulated cladding can be applied

to a property’s outside walls which also

improves a home’s exterior appearance.

At the top of the property, typically where

most heat is lost (through the roof), the loft

space can be heavily insulated to prevent

heat escaping, ensuring any heat you pay

for remains in the property.

Funding can also be used to upgrade

existing boilers to top-of-the range models

giving your home the ultimate in boiler

efficiency and technology.

Claim your funding today from the

experts, call 0800 292 2554.

QUALIFYING CRITERIA

- Child Benefit (subject to income)

- Child Tax Credit

- Income Support

- Working Tax Credit

- State Pension ‘Guarantee’ credit

- Universal Credit

- Disability Living Allowance

- Personal Independence Payment

- Attendance Allowance

- Carer’s Allowance

- Severe Disablement Allowance

- Industrial Injuries Disablement Benefit

- Income-related Employment & Support

Allowance

- Flexible Eligibility Grants

If you receive any of the above, please

contact us today to access your FREE

home improvements.

CALL: 01600 717255

EMAIL: INFO@THEPROPERTYDROP.CO.UK

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