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Chris Bell
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This can only impact the UK if it impacts China medium term. For example if cheap money runs out and China start normalizing the true value of its currency. Given that China is a controlled market who relies more on ego than actuals, this is about as likely as the sky falling on Mark Hughes head. The UK is in finance terms linked to the sways and deviations of the world but the world plays by different rules than we do. It is good that we have increased base rate to give the UK some wriggle room and it needs to be around 1.25% or 1.5% to allow for debt repayments to be more comfortable. In my humble opinion I think we will still see property increases and given incomes are rising along with inflation its a healthy balance. New builds are overpriced considering the quality though.
From:
Chris Bell
22 December 2021 10:09 AM
The problem is that people aren't selling homes because of the stamp duty. Now they wont because of another tax. Free owner occupied family homes from tax altogether and allow the market to sort itself out. Those who think properties are to expensive only live in London and the south east. If they were in the USA they would want to live in Beverley Hills. All property locations started off as a field with nothing there. They deserve the right of continuous improvement just like anywhere in the world.
From:
Chris Bell
09 December 2021 12:30 PM
The system here is so slow it is beyond extreme for this day and age and for this country. We can not blame the EU for this. This is a UK shambolic mess all based around property purchases which most western countries do in 2-3 weeks, the UK does in 2-3 months. Maybe conveyancing solicitors need a lawyer to take certain organizations to court and level the playing field.
From:
Chris Bell
03 March 2021 10:09 AM
It seems that this is all being done arse about face. Every organization wants control, every association wants to be a regulator of industry. You need to start with rules of engagement and determine via all organization stakeholder committee what is best for estate agents and what best protects the public There is only one organization that can do this and that is British standards . They develop standards for industry, the legal profession, healthcare, products and services alike and they can quite easily help with this. They ere also e forerunners for ISO 9001 and ISO 27001 etc. You also need someone in charge of Propertymark who believes in continual improvement of the industry. BSI has a Memorandum of understanding with government and only £1 million of their 100 million turnover comes from government. They are not controlled by government. and they are funded by associations and their members buying standards and being audited for quality, safety, recordkeeping etc. I used to work there and BSI's role is merely as a facilitator for the jumped up hot heads of any industry . I've seen it and no blood has been spilt to date. They must be doing something right. From Nano technology science, to cleanliness in hospitals through to scaffolders. A starting point would be to start by asking them BSI website Develop-a-PAS/PAS-consultancy-enquiry-form/brochure/ Good luck !! Christopher Bell Exclusive financial Mortgage advisor
From:
Chris Bell
18 February 2021 09:41 AM
Is it fine for associations and government departments to assume they have the slightest clue about developing industry standards. But unless it is developed independently it’s going to be a irrational stitch up. Use British standards and develop a Publicly available specialisation. They have a proven track record of developing standards because they invented standards. Ditch the kangaroo court method.
From:
Chris Bell
21 July 2020 08:36 AM
90% mortgages are the only way forward. Lenders are not very imaginative though, They could split he mortgage and put a further 5-10%% of the loan on a shorter term, say 5 years so they get their 80-85% LTV. Affordability is an issue but its always going to be.
From:
Chris Bell
08 July 2020 17:10 PM
I would say that EPC's tend to be more accurate than chartered surveyors in my experience. Maybe its because of the regulatory monitoring of the accuracy of EPC's compared to the door in your face attitude off RICS if you complain to them.
From:
Chris Bell
26 February 2020 08:30 AM
I always like to put myself in the clients shoes before doing anything. It seems that a good relationship with a professional supplier may involve a fee but its the service (not the fee) that should drive that relationship. You get 4 times more business if you are good at what you do. The more you pay as a fee is typical of poor service provision or of over zealous lead providers placing pressure on service providers to over charge the client. Whats in the best interest of the client is to be transparent and not to try and avoid the conversation. I am a mortgage advisor at Exclusive Financial and it is a legal requirement to disclose any fees upfront before actually doing business. AND there are No issues whatsoever as long as you are sincere and explain what the charge is for. Put yourself in the clients shoes - they are not stupid. Treat clients with respect and you wont need to advertise and we can shake of the used car salesman estate agent stigma.
From:
Chris Bell
21 January 2020 08:50 AM
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