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<body bgcolor="#2DC6D6"> <h1><font face="Arial" size="7">Estate agent Leeds</font></h1> <h1><font face="Arial" size="7">Letting agent Leeds</font></h1> <h1><font face="Arial" size="7">Flat to let Leeds</font></h1> <h1><font face="Arial" size="7">Flats in Leeds</font></h1> <h1><font face="Arial" size="7">House to let Leeds</font></h1> <h1><font face="Arial" size="7">Houses in Leeds</font></h1> <h1><font face="Arial" size="7">Estate agency Leeds</font></h1> <h1><font face="Arial" size="7">Letting agency Leeds</font></h1> <h1><font face="Arial">Leeds estate agent</font></h1> <h1><font face="Arial">Leeds estate agency</font></h1> <h1><font face="Arial">Leeds estate agents</font></h1> <h1><font face="Arial">Letting agent Leeds</font></h1> <h1><font face="Arial">Letting agents Leeds</font></h1> <h1><font face="Arial">Letting agency Leeds</font></h1> <h1><font face="Arial">Leeds letting agent</font></h1> <h1><font face="Arial">Leeds letting agency</font></h1> <h1><font face="Arial">Leeds letting agents</font></h1> <h1><font face="Arial">To let Leeds</font></h1> <h1><font face="Arial">Flat to let Leeds</font></h1> <h1><font face="Arial">To rent Leeds</font></h1> <h1><font face="Arial">Flat to rent Leeds</font></h1> <h1><font face="Arial">Flat Leeds</font></h1> <h1><font face="Arial">House Leeds</font></h1> <h1><font face="Arial">Manning Stainton</font></h1> <h1><font face="Arial">Alan Cooke</font></h1> <h1><font face="Arial">Linley & Simpson</font></h1> <h1><font face="Arial">Hendys</font></h1> <h1><font face="Arial">Enfields</font></h1> <h1><font face="Arial">Jump Estate Agent</font></h1> <h1><font face="Arial">Dacres</font></h1> <h1><font face="Arial">Dacre Son & Hartley</font></h1> <h1><font face="Arial">Castlehill</font></h1> <h1><font face="Arial">David Moor</font></h1> <h1><font face="Arial">Walker Smale</font></h1> <h1><font face="Arial">Park Lane properties</font></h1> <h1><font face="Arial">Roundhay properties</font></h1> <h1><font face="Arial">Executive Lets</font></h1> <h1><font face="Arial">Selectahome</font></h1> <h1><font face="Arial">Streets Ahead</font></h1> <h1><font face="Arial">LS8</font></h1> <h1><font face="Arial">LS17</font></h1> <h1><font face="Arial">LS7</font></h1> <h1><font face="Arial">LS14</font></h1> <h1><font face="Arial">LS6</font></h1> <p><font face="Arial"><b>Six central banks, including the Bank of England, have cut interest rates by half a percentage point in an effort to steady the faltering global economy.</b></font></p> <p><font face="Arial">No decision on UK rates had been expected until Thursday - and the move puts the interest rate at 4.5% from 5%.</font></p> <p><font face="Arial">The US Federal Reserve has cut rates from 2% to 1.5% and the European Central Bank (ECB) trimmed its rate from 4.25% to 3.75%.</font></p> <p><font face="Arial">The unprecedented, co-ordinated step came amid slumping world stock markets.</font></p> <p><font face="Arial">The central banks of Canada and Sweden and Switzerland all took similar action in the co-ordinated move.</font></p> <p><font face="Arial">China also cut its rate, but by 0.27 percentage points.</font></p> <p><font face="Arial">European financial markets reacted well, pulling back some of the losses seen earlier on Wednesday.</font></p> <p><font face="Arial">The last time the Bank of England cut rates in a special meeting was on 18 September 2001 - when rates came down from 5% to 4.75%.</font></p> <p><font face="Arial">In the UK, some mortgage lenders also immediately passed on the rate cut to borrowers - trimming their variable rates.</font></p> <p><font face="Arial">In other major developments:</font></p> <p><font face="Arial">The UK government unveiled a package of measures aimed at rescuing the banking system which could add up to £500bn ($880bn) European stock markets - which had been heavily down - clawed back some of their losses after the rate cut move All UK savers with accounts in the closed Icelandic internet bank Icesave were told they would get all their money back. The Treasury arranged for more than £3bn of UK savers' money held with Icelandic banks Kaupthing Edge and Heritable Bank to be transferred to ING Direct UK.</font></p> <p><b><font face="Arial">Exploit The Housing Crash To Your Advantage</font></b></p> <p><font face="Arial">Homebuyers, especially first-time buyers, have spent a long time feeling powerless in the property market. First it was a challenge to save a deposit due to house price inflation, then there was the tricky business of making an offer as the asking price was exactly what the seller expected to get.</font></p> <p><font face="Arial">After that came gazumping, where a seller accepts an offer but then later accepts a higher one from someone else. It's been going on across the country in the last few years and many first-time buyers have lost thousands of pounds in solicitors' fees.</font></p> <p><font face="Arial">The balance of power has shifted and the buyer - particularly the first-time buyer - is now not priced out of the marketl.</font></p> <p><font face="Arial">According to The Royal Institution of Chartered Surveyors, the gap between asking and selling prices is widening, with houses selling at an average of 9% below the asking price.</font></p> <p><font face="Arial">Sellers in the North are being forced to accept 12.5% off their advertised price. A massive 82% of chartered surveyors reported that the gap had widened in the last two months between asking and selling prices in the region</font></p> <p><font face="Arial">So how much should you offer below the asking price of a property? It is possible to get more localised information by looking at the records of other sales in your area. Hometrack is a property company that provides statistics on the market as a whole, as well as specific data relating to certain postcodes and even properties.</font></p> <p><font face="Arial">More information you can gain the better it is invaluable when it comes to making an offer. But, as with any negotiation, it all depends on how much you want a property and how much the seller needs to sell.</font></p> <p><font face="Arial">Say you make an offer on a property that is more than the asking price and that offer is accepted. Your seller is in a chain and is holding up the sale, possibly through no fault of their own. In the meantime average property prices in your area are falling, perhaps significantly.</font></p> <p><font face="Arial">Are you justified in gazundering, where you tell the seller further down the line that you are reducing the offer they initially accepted? They may have declined other offers or taken the property off the market and have no choice but to accept your lower offer in order to stop their chain collapsing.</font></p> <p><font face="Arial">According to a recent Fool.co.uk survey of 1,240 people, 58% of Fools think gazundering is unethical yet, if pushed, 94% would still force the price of a house down at the last minute.</font></p> <p><font face="Arial">At the end of the day, whether or not you agree with the practice of gazundering, it is not illegal - and it is certainly coming back into fashion.</font></p> <p><b><font face="Arial">It's a postcode lottery in UK property prices</font></b></p> <p><font face="Arial">According to the Royal Institution of Chartered Surveyors' housing market survey housing conditions continue to deteriorate. But there are regional differences, prices are falling the highest in Yorkshire and in the East Midlands and lowest in London and Scotland. New buyer inquiries are reported to be weakest in the North and Wales.</font></p> <p><font face="Arial">The Chesterton poll, compiled by the Centre for Economic and Business Research from the Halifax, Nationwide and Land Registry indices, shows how price falls of 15.9 per cent over a year in Northern Ireland, down 5.5 per cent in the West Midlands, but have fallen only 1.4 per cent in the North East. The poll also shows how house prices are below the new stamp duty threshold of £175,000 in all regions except London, the South East, South West and East.</font></p> <p><font face="Arial">Reports from estate agents on the high street</font></p> <p><font face="Arial">Stuart Allan of Broadley & Coulson in Durham says that increasing numbers of houses are being taken in part exchange by major builders so that they can complete on their housing estates.</font></p> <p><font face="Arial">Edward Waterson of Carter Jones in York said the second week of August proved the busiest of the year in terms of agreed sales. This is the result of realistic pricing.</font></p> <p><font face="Arial">Ken Bird of Renton & Parr in West Yorkshire has seen a slight upturn in activity, although offers are coming in 10 per cent to 15 per cent under asking prices.</font></p> <p><font face="Arial">John Halman of Gascoigne Halman in Cheshire says the rental market is feverishly active. When the market improves, most of these tenants will be looking to buy with the consequential increase this will cause in demand.</font></p> <p><font face="Arial">John frost of the Frost Partnership in Berkshire said buyers seemingly choose to ignore asking prices adjusted for market conditions and expect further reductions.</font></p> <p><font face="Arial">Jeremy Leaf of Jeremy Leaf & Co in Finchley said First-time buyers and investors, providing of course they can obtain mortgage finance, are returning cautiously, encouraged by more realistic selling prices and rising rents.</font></p> <p><font face="Arial">Aberdeen and its suburbs are still doing well owing to the strength of the local economy. Well-priced houses are selling, but flats and smaller properties for first-time buyers are difficult to shift. Gordon Macdonald, Allied Surveyors, Aberdeen</font></p> <p> </p> <p><b><font face="Arial">Mortgage rates returning to pre credit crunch levels</font></b></p> <p><font face="Arial">Michelle Slade from Moneyfacts says that "the average rate is a good indication of what is going on in the market, but what is more telling is what the largest lenders have done with their rates, as the top ten lenders make up 77.2% of the mortgage market."</font></p> <p><font face="Arial">All the main lenders have cut their two year fixed rates since the peak of early July 2008. Bradford & Bingley and Cheltenham and Gloucester have made significant cuts, but have a slight increase in their fees. As of the start of the week the biggest cut comes from the Halifax where the rate has gone from 7.27% to 5.99% offering one of the best rates. The exception of this trend is Northern Rock which has put up its rate by 0.01%, as well as increasing its arrangement fee by £500.</font></p> <p><font face="Arial">Michelle goes on to say that "the cost to lenders in obtaining the funds for mortgages on the money markets has dropped significantly in the last few months and we are now seeing some relief for borrowers who are looking for a new deal. The increase in borrowers monthly repayments should not be as much as it would have been had they remortgaged two months ago, which will hopefully mean more borrowers can afford to remain in their homes.</font></p> <p><font face="Arial">"I doubt we will see rates being cut to levels similar to when base rate was last at 5%, but we should hopefully see further cuts from the big lenders in the coming months. Only time will tell if we have finally turned a corner, but this is the most prolonged period of cuts we have seen since the credit crunch began."</font></p> <p><b><font face="Arial">Best possible taste: Link between top restaurants and local house prices</font></b></p> <p><font face="Arial">How do you spot an up-and-coming area where property prices may beat the national average? We all know that good schools and nearby transport links favour some areas more than others. So what about top restaurants?</font></p> <p><font face="Arial">Big city centres - especially those with large-scale corporate hospitality can support good restaurants. But unassuming market towns and villages that suddenly get a glut of entries in the The Good Food Guide or a Michelin handbook show a more fundamental change.</font></p> <p><font face="Arial">Research by the estate agency Savills shows precisely how much Rick Stein has done to push up prices in his native Padstow, a pretty Cornish resort with 10,000 locals and plenty of Stein's restaurants, bed and breakfasts, cafés and delis.</font></p> <p><font face="Arial">In 1997 Stein was still new to the South-west, an average Padstow home cost £75,000, by 2002, Stein had three businesses in the village, and average Padstow house prices had increased to £180,000, 32 per cent above the Cornwall average of £136,000. By the end of 2007 - when Stein's empire had expanded to four eating places, three shops and a cookery school, plus bed-and-breakfast rooms - Padstow's typical home cost £342,000, a whopping 44 per cent above the Cornwall average of £237,000.</font></p> <p><font face="Arial">The South-west seems to be hogging celebrity chefs (with the exception of London) whose presence helps the local property market enter the Michelin-star league. Jamie Oliver has opened a Fifteen in Newquay, Hugh Fearnley-Whittingstall has opened a River Cottage canteen, cookery school and shop in east Devon.</font></p> <p><font face="Arial">Richard Addington of Savills in Exeter states "I always cite Ilfracombe as how this sort of thing can make a difference," says. "The artist Damien Hirst owns 11 the Quay restaurant there and he's helped put the place on the map. There wasn't a lot going on there until he and his wealthy friends moved in. The restaurant has a fantastic reputation for food as well as style, so now Ilfracombe is sought after."</font></p> <p><font face="Arial">If Ilfracombe follows the pattern of other places, expect to see more good restaurants moving in, and house prices moving up, as a result. "Gastropubs and restaurants choose locations where clientele will appreciate and afford fine dining," says Jo Aldridge of Stacks, a buying agency. "Then the situation changes. Towns and villages where pubs, bistros and smart restaurants are renowned become places for second-homers from Notting Hill, raising property prices."</font></p> <p><font face="Arial">Another case in point is Bray. It is a semi-rural location on the edge of Maidenhead in Berkshire, yet it has Heston Blumenthal's the Fat Duck - which has been awarded a rare 10 out of 10 stars in the The Good Food Guide 2009 (out tomorrow) and has previously been called the world's best restaurant - as well as two other internationally renowned eating places. Average Maidenhead prices are well below those of Bray, of course.</font></p> <p><font face="Arial">Rob Middleton, a buying agent who seeks homes for wealthy buyers in the Lake District comments on the downsides of living next to a popular restaurant "Parking and occasional noise are obvious examples, but in extreme cases, you can have paparazzi sitting on the kerb waiting for stars to emerge after dinner. But on the whole, good restaurants seal an area's popularity. At one time, buyers would want to know how far a home was from a John Lewis or a Waitrose. Now it's different. You have to tell them where the Michelin stars and farmers' markets are."</font></p> <p><b><font face="Arial">Avoiding a costly arrangement</font></b></p> <p><font face="Arial">In theory, this is levied to pay for administering and reserving money for a specific mortgage, and it applies to re-mortgaging as well as customers using a particular finance house for the first time.</font></p> <p><font face="Arial">Some lenders insist it is paid separately up front while others allow the borrower to 'roll it up' and add it to the total loan. The fee can be a flat sum or a percentage of the amount borrowed.</font></p> <p><font face="Arial">Most consumers understand the need for an administrative cost but these fees have soared in recent years. Industry analysts say many lenders now use the fee as a way of reducing the 'headline' interest rate to make a mortgage appear cheaper than a similar product offered by a rival company.</font></p> <p><font face="Arial">This means a borrower must carefully calculate the impact of an arrangement fee on a loan. For example, if you borrow £100,000 at an interest rate of 4.5% that would cost £4,500 a year in interest. If the borrower pays an arrangement fee of £1,000, that would be a total of £10,000 over two years. If the same lender offers a deal with no arrangement fee but a slightly higher rate of 5%, then the borrower would pay £10,000 over two years - no difference overall but no £1,000 fee to be paid up front.</font></p> <p><font face="Arial">Arrangement fees have the most significant impact on small loans. Lenders often levy a flat charge (most are between £299 and £699) irrespective of the size of the loan. If you add £299 to a £100,000 loan it is under 0.3% but if you add it to a £25,000 loan it represents well over one percent of the amount to be repaid.</font></p> <p><font face="Arial">The duration of your repayment term is also important. For example, a recent product by one lender had two options - a rate of 4.78% with a £499 arrangement fee or a rate of 5.29% with no fee. If you had a 10 year £100,000 repayment mortgage and you chose the higher rate, you would pay an extra £3,573.20 over the 10 year term, a high price to avoid a £499 fee. ] The lesson is clear. You have to: (a) Know how long your mortgage term will be; (b) Calculate the total repayments on a mortgage, if the fee is 'rolled up' against the total repayments or if you pay the fee 'up front.' (c) Compare those figures with the total repayments on a mortgage without any fee at all. Failure to do that may cost you literally thousands of pounds - and these days, every penny counts.</font></p> <p><b>Landlords: Watch Out For This £200 Fine!</b></p> <p>Energy Performance Certificates (EPCs) detailing the energy efficiency of a property become compulsory on rented property from 1st October . An EPC is currently valid for 10 years and can be reused as many times as required within that period.</p> <p>Landlords do not have to commission a new EPC each time a new tenancy starts but they are required to give a copy of the latest EPC to new tenants.</p> <p>The bad news Any landlords renting out a property must provide prospective tenants with one of these EPCs or face a fine of £200 and be unable to market or rent out their property..</p> <p>The good news Over a quarter of landlords (27%) surveyed by Paragon Mortgages said they are planning to obtain an EPC before the 1st October deadline.</p> <p>EPC offer landlords an advantage over their peers that have less energy efficient properties. Landlords with the most energy efficient homes could result in more interest from tenants. Those whose properties rate badly could face a lack of interested tenants and subsequent fall in rental income.</p> <p>The EPC not only provides details of the energy efficiency and the properties environmental impact, it also provides estimated running costs, information which will now factor in tenants' decision making process, and could be used as a bargaining tool if the home has received a poor rating.</p> <p>In other words, if your property is energy-efficient, an EPC could give you an advantage over other landlords.</p> <p>What is the point of an EPC?</p> <p>While measures which could be taken to improve the property's energy efficiency and environmental impact rating are highlighted in the certificate, landlords are not obliged to make any of the changes suggested on the EPC.</p> <p>How much does an EPC cost?</p> <p>This can vary - the Nationwide subsidiary The Mortgage Works announced last week that it is offering free EPCs to landlords to help them comply with legislation.</p> <p>The Lender, in conjunction with Energy Reports and Surveys Limited, will offer landlords who are remortgaging on selected products a free energy performance certificate (EPC). The package also includes free legal fees and a free valuation.</p> <p>The National Landlords Association will provide landlords with EPCs for £69 including VAT per certificate.</p> <p>And Paragon Mortgages, which is offering the certificates for £85 each, has produced an interactive guide for landlords on EPCs: 'The Landlords' Guide to EPCs'.</p> <p>Wait and see</p> <p>Like the majority of landlords, you may intend to wait until your existing tenant leaves before you get an EPC however you may not be allowed to market your property. The only way to be in a position to move quickly is to have the EPC already in place. And remember the £200 fine can be issued an unlimited number of times, not just once.</p> <p>Risky and reckless</p> <p>Finally, Paragon Mortgages' survey also noted that with just one week to go, 81% of landlords hadn't obtained an EPC for any of their rental properties, with only 5% having obtained the certificates for all of the properties in their portfolio. The National Landlords Association (NLA) has said that the total amount of fines for UK landlords could exceed £500m.</p> <p>A further 8% of landlords are prepared to take the risk and wait until an enforcement officer contacts them before obtaining the EPC, and a reckless 11% of respondents said they had no intention of obtaining an EPC for any of their properties.</p> <p>Getting a good rating with low running costs will make your property stand out to cash-strapped tenants and that could mean the difference between letting the property quickly or facing a lengthy void period. In other words, the certificate could pay for itself.</p> <p> </p> <p><font size="4" face="Arial">Independent Estate Agent and Letting Agent Leeds Morfitt Shaw</font></p> <p><font size="4" face="Arial">Manning Stainton</font></p> <p><font size="4" face="Arial">Alan Cooke</font></p> <h1><font face="Arial" size="4">Linley & Simpson</font></h1> <h1><font face="Arial" size="4">Hendys</font></h1> <h1><font face="Arial" size="4">Jump Estate Agent</font></h1> <h1><font face="Arial" size="4">Dacres</font></h1> <h1><font face="Arial" size="4">Dacres Son & Hartley</font></h1> <h1><font face="Arial" size="4">Castlehill</font></h1> <h1><font face="Arial" size="4">David Moor</font></h1> <h1><font face="Arial" size="4">Walker Smale</font></h1> <h1><font face="Arial" size="4">Street Lane properties</font></h1> <h1><font face="Arial" size="4">Park Lane properties</font></h1> <h1><font face="Arial" size="4">Shaftesbury Avenue properties</font></h1> <h1><font face="Arial" size="4">Devonshire Avenue properties</font></h1> <h1><font face="Arial" size="4">Roundhay properties</font></h1> <h1><font face="Arial" size="4">Selectahome</font></h1> <h1><font face="Arial" size="4">Streets Ahead</font></h1> <p><font face="Arial"><img border="0" src="content/generalimages/morfitt_shaw_shop_front.jpg" width="238" height="179" alt="estate agent leeds letting agent leeds morfitt shaw manning stainton alan cooke"></font></p> <p><font face="Arial">80 Street Lane, Roundhay, Leeds, LS8 2AL</font></p> <p><font face="Arial">Tel: 0113 393 0113    Fax: 0870 220 3169</font></p> <p><font face="Arial">info@morfittshaw.co.uk</font></p> <p><font face="Arial"><b>Estate agent</b> covering North Leeds, Shadwell, Scarcroft, Harewood, Thorner and other villages around Leeds. If you are looking for a home in Leeds, you can search our Leeds property database to find the house you want. You can also register on our Leeds mailing list to receive instant email alerts of houses that meet your specifications. We also provide letting  services for landlords and tenants throughout the Leeds area. Manning <font size="3"> Stainton Alan Cooke Linley & Simpson Hendys Jump <i> Estate Agent</i> Dacres Dacre Son & Hartley Castlehill David Moor Walker Smale Street Lane properties Park Lane properties Shaftesbury Avenue properties Devonshire Avenue properties Roundhay properties Selectahome Streets Ahead. </font> </font></p> <p><font face="Arial">As one of the largest estate agencies in Leeds, we aim to offer a level of service and value beyond that offered by our competitors. Both owner managers, Guy Morfitt and Graeme Shaw have lived and worked in Leeds all their lives, and between them have years of experience as <u> estate agents</u>.</font></p> <p><b><font face="Arial">Some of the recent properties we have handled are shown below:</font></b></p> <table> <col width="208" style="mso-width-source:userset;mso-width-alt:8874;width:156pt"> <tr height="17" style="height:12.75pt"> <td height="17" class="xl24" width="208" style="height:12.75pt;width:156pt"><a href="http://www.morfittshaw.co.uk/681.htm"><font face="Arial">www.morfittshaw.co.uk/681.htm</font></a></td> </tr> <tr height="17" style="height:12.75pt"> <td height="17" class="xl24" style="height:12.75pt"><a href="http://www.morfittshaw.co.uk/i51.htm"><font face="Arial">www.morfittshaw.co.uk/i51.htm</font></a></td> </tr> <tr height="17" style="height:12.75pt"> <td height="17" class="xl24" style="height:12.75pt"><a href="http://www.morfittshaw.co.uk/611.htm"><font 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