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Nick Carver says ‘ I am delighted to announce the launch of our new website, which will provide our clients with a very modern and up to date search engine, which we hope will generate even more hits than our existing 14,000 hits a month. Some of the new features are very state of the art and the reaction from many clients so far is very positive'

If you have any suggestions or improvements that could be made to the site please contact emmaw@carvergroup.co.uk with your ideas!

Visit www.nickcarver.com to see the new site!

Raising awareness of mens health, the boys from Carvers are keen to get involved and support this great cause.

Henry & James Carver and Louis Potter will be participating in Movember this year - check out the results next month! 

Visit http://uk.movember.com/ for more information on the cause and how to donate.

Clean-shaven photos are below so if you see any of these suspicious looking characters with questionable facial hair, just remember - it's all for charity!

  Louis Potter

  Henry Carver

             James Carver

http://www.estateagenttoday.co.uk/1486-chaps-breakdown-threatens-house-deals

The CHAPS breakdown on Monday 20th October thankfully did not cause too many problems on the day for us at Carver Estate Agents. There were two properties due to complete that day which could not complete due to the breakdown and were forced to complete the day after.  Thankfully all parties involved were not affected due to the nature of the sales and the personal circumstances of the buyers and sellers. 

With Friday being the busiest day for completion traditionally among house sales, the fear was that the breakdown had a knock on effect later in the week. At Carvers our completions weren't affected, however if the problem had been on a Friday there could have been major consequences.

Estate Agent Today - Tues 21st October 2014

"The Bank of England’s problems with the CHAPS system of electronic money payments, including those transferring monies at the end of the house-buying process, will almost certainly lead to problems in house completions during this week.

On Sunday an additional payee was added to CHAPS, the Clearing House Automated Payment System. This triggered a problem when the system was started yesterday morning, meaning some previously-automated payments had to be handled manually.

The Bank said its payment system of which CHAPS is a part, known officially as Real-Time Gross Settlement, was suspended for most of Monday, being restarted around 4pm.

“Whilst Monday is not the busiest day in terms of completions, the failure of the payments system forhouse purchases will have a cascading effect and it is likely any payments will now be held up for a day or more as money takes time to transfer” warns Mark Hayward, managing director of the National Association of Estate Agents.

“The one part of a sale which is fixed is the completion date - with payments not being able to be processed today, this will not only have an effect in terms of the completion date moving, but also accompanying arrangements which may have been scheduled, such as moving support or van hire and the transfer of utilities to the new address” he says.

The full effect of the problem is unlikely to be known until at least Thursday.

The CHAPS system moves billions of pounds every day between financial institutions with an average daily total of 138,000 payments with a combined value of &277 billion."

Carver Residential have joined forces with Agents' Mutual Ltd to form a brand new property portal “On The Market” which launches in January 2015 backed by a national TV advertising campaign. Thousands of the UK's leading estate and lettings agents have taken a stake in the company and this number is growing all the time. The aim is simple: to create the very best property search experience for consumers.

OnTheMarket.com will be a new place to view hundreds of thousands of properties to buy or rent all over the UK.

Every property will be on offer from locally based estate or letting agents.

So whether you’re looking to buy, rent, sell or let a property, you know that you’ll be dealing with local experts who you can meet face-to-face.

With a simple, uncluttered search function and exclusive content, we hope you’ll agree: if you’re in the market, you’ll need to visit OnTheMarket.com.

Military families have been given a massive helping hand by the Government after it introduced the Armed Force’s Help to Buy (FHTB) scheme in April this year.

Home ownership has long been an issue for the armed forces. Levels have been low for years when compared to the wider society of the UK, and personnel that have decided to leave have frequently indicated that owning a home is one of the main reasons behind their decision.

The scheme allows servicemen and servicewomen to borrow 50 per cent of their salary, up to a maximum of &25,000, interest-free, to help buy their first home or to move to another.

The pilot scheme was introduced by Defence Secretary, Philip Hammond, and will run for a total of three years, brought in to combat the low rate of home ownership within the armed forces.

All regular personnel will qualify as long as they have completed their required length of service, have more than six months left to serve at the time they apply and meet the right medical categories.

Saying this, there are, of course, going to be occasions where a borrower’s medical or personal circumstances are justifiable – allowing them to still qualify for the scheme.

The loan is also repayable over a term of 10 years, which means that payments will be affordable and will not impact on the individual’s future borrowing chances.

It should be noted that whilst this scheme is running, Long Service Advance Payment (LSAP) has been frozen, but, if you currently have LSAP, you will be able to continue to make your usual monthly payments.

However, you can also apply to extend your loan to the &25,000 FHTB limit if you are moving home and are eligible under the new rules. If this was to happen, your LSAP loan amount will be consolidated into one payment under the FHTB scheme.

The Government has introduced new rules and schemes frequently over the past 12 months, and, though this one has been brought in specifically for members of the armed forces, there are many others available that could apply to you.

This is why it is important that you seek the advice of a professional mortgage adviser looking to buy your new home.

Adam Swalwell is from Carver Financial Service’s – for further information call: 01325 380088
Email: adams@carvergroup.co.uk or visit: www.carvergroup.co.uk
Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed

As part of our new website we now have a section to display testimonials and feedback we receive from our clients.

We always like to hear your views, whether it be that we are doing a great job or if there are areas we can improve on, we are always looking to provide the best service possible so your feedback really counts.

Visit our website and or click on this link: http://www.nickcarver.com/Testimonials/Leave-a-Testimonial

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