Welcome to your monthly property update!

Welcome to your monthly property update!




Interest-only mortgages are a good move to make for landlords

 
If you are a landlord and are frustrated by the continuous rise in interest rates when all you want to do is start or expand your property portfolio, taking out an interest-only mortgage could be the answer. Many seasoned landlords choose this option when investing in property, even during the good times when mortgage interest rates were ultra-low.

Demand is incredibly strong
A survey conducted by paragon of 700 buy-to-let landlords found that 67% reported tenant demand over the first three months of 2023, up from 65% for quarter four of 2022.* Rents are increasing all the time, and one of the main reasons for this is rising interest rates. As a landlord, this will most likely be your biggest expense.

What is an interest-only mortgage?
Just as the title suggests, you only pay the interest and not the capital on an interest-only mortgage. At the end of the agreed-upon term, you must pay off the entire balance owed. Because you are only paying interest, your payments will be much cheaper compared with a capital repayment mortgage. Some landlords choose to sell their property to repay the outstanding balance.

So why choose an interest-only mortgage?
  • Increased profit: if your payments are lower, there is far greater scope to make a profit from your buy-to-let business. This also gives you stability and lowers the price of your overheads, which could be less than half of that when repaying a capital and interest mortgage.
  • Overpaying: while it’s possible to make overpayments on an interest-only mortgage, this will typically only reduce the amount of interest outstanding on the mortgage. If you choose to do this, your profit will increase further, giving you more options to expand your portfolio.
  • Your property’s value: in the long term, property increases in value. It’s not an absolute guarantee, but if you look into the past, despite short-term rises and falls, property values have significantly increased. This is not expected to change in the future. Therefore, it is reasonable to assume that at the end of the term of your mortgage (or if you sell up half or part way through your investment), there will be a profit between the capital outstanding balance on the amount you owe your lender and the selling price of your property.
  • You can develop and improve the property: with more profit to plough back into your property, you can develop it. This will add to its value, ultimately increasing how much rent you can charge. And when it’s time to sell up and move on to bigger and better things, you will achieve a greater return on investment. The greener you make your property, the more rent it could fetch while future-proofing your investment.
  • Security: preparing for the unexpected is a sure way to protect your investment. And by choosing an interest-only mortgage with fewer outgoings, you are already in a better position should the unexpected occur.
  • You can always change mortgages in the future: as you become more seasoned as a landlord, you may devise a strategy so that you own your buy-to-let property outright. There is nothing stopping you from changing your mortgage type after a few years. And in the meantime, use the profit you make with an interest-only mortgage to use as a deposit, reducing the cost of a capital and interest mortgage.



Browse our properties and create the buy-to-let portfolio you have always wanted.




Paragon*



Crowborough Carnival9th September 2023

This year is our 75th anniversary so please come and join in to make our night extra special.

Click here to read Crowborough Carnival9th September 2023.



Heathfield Le Marche28 August 2023

Heathfield’s famous Anglo/French market is taking place on August Bank Holiday Monday...

Click here to read Heathfield Le Marche28 August 2023.



Open-plan living or broken-plan living spaces. Do you have a preference?

 
Open-plan living is not for everyone, but with a touch of creativity, you can transform your living spaces into something truly amazing, making your home a delightful place to live. So, if you are unsure which to choose in your property search, here are some ideas that may open your mind.

What is open-plan living?
Open-plan living adds lots of light to your living space and creates a seamless flow between different areas of the house, such as the living room, dining area, and kitchen. This layout creates a sense of spaciousness, makes it easier to interact with others, and can be ideal for families with young children, allowing parents to keep an eye on them while cooking or working.

What is broken-plan living?
Broken-plan living aims to retain openness while also creating a level of definition and division between your living spaces. This is achieved in many ways, from partial walls to furniture arrangements. It provides a balance between open-plan and traditional separate rooms, offering both a sense of connectivity and some degree of privacy.

Do you really have to choose?
It’s all about subtly; there are so many things you can do to take advantage of open-plan living while still creating defined areas that are cosy, private, and full of differing atmospheres as you move to each area of your home.

Add a window
Retain light and create a space within your floor space by adding an internal window. You could do this for the purposes of any function you like, from a play area to a reading space near a fire. This will allow you to have privacy while still being connected to the rest of your living areas.

Create a study
Adding some steps to an elevated study so you can take in the rest of the house while working, reading, or enjoying a hobby is another way to define this space. Use glass, metal, wood, bricks, or plants to create your perfect workspace.

Half-walls
Breakfast bars are nothing unusual, and adding half walls is a blast from the past but still works. Using very small, right-angled half walls made from any material you desire and decorated in interesting colours can have a big impact. Or if you prefer curves or flowing lines, then create those to help divide the areas you feel work. It could be perfect for the kitchen or a great place to watch a movie.

Add a chimney breast
This is a clever way to create cosiness and a classical sitting-by-the-fire feeling while creating privacy. Tall, small, walk-around, or floating fires are brilliant for creating the perfect place to relax while satisfying your desire for more space.

Be creative and be yourself
There is so much you can do to make your broken-plan living space your own. Furniture, whether modern or antique, to trees, sculpture, or a walled wine rack if that’s your thing. Make it your own and experiment. Find inspiration everywhere and own it.

Do you feel inspired? Contact us today to find an amazing home



Dream homes: What does yours look like?

 
Everybody's house dreams are different. You might just be dreaming of buying a humble terrace house as your first property. On the other hand, maybe you are an experienced property investor and are thinking about something a little more grand. Whether you are renting and want a view of the sea from your perfect cottage or want a large Victorian townhouse, there are many ways to live the dream today. But often, it’s a whole set of reasons that make your dream home just that.

Architecture
Classical design and features found in a Victorian townhouse are always going to be very different from a contemporary design full of light and glazed walls. Perhaps you want to create a perfectly self-sufficient home that can source all its own energy using solar panels and wind power. That said, these days, you can have both. Taking a classical, older home and transforming it into something special with modern design while paying respect to its original features means you can enjoy the best of both worlds.

Location
A view of the mountains or a sun-kissed cityscape? Maybe you prefer the sea? If you are raising a family, then your proximity to great schools will be at the top of your priority list.

Many home buyers love the idea of living in a quiet English village with the perfect pub within walking distance. Perhaps you want all these things within driving distance of your perfect property?

Interior design
It all depends on your personal taste, but there is no shortage of inspiration and help, from furniture suppliers to interior designers, to inspire you and help you find your niche. If money is not an obstacle, marble is always beautiful and timeless. Real wood can create sophistication, but it is also a safe choice when it is time to sell.

Bedrooms
Whichever you choose—a ten-bedroom country home or a two-bedroom terraced house—it's your dream. When it comes to creating the perfect bedrooms, you will want each of them to be unique. And just because you buy a three-bedroom home does not mean it has to stop you from converting one of the bedrooms into a walk-in wardrobe. Perhaps you want the ultimate in comfort by buying a property with a master bedroom complete with an ensuite bathroom.

Bathrooms
Whether you want a wet room or a jacuzzi, the infinite number of colour schemes and designs to choose from will keep you busy if you decide to start from scratch. Or you simply love the idea of incorporating some technology into an already stunning bathroom. Sometimes, when you view your perfect home, you instantly know that your personal items and some plants are enough for you to be really happy.

Outdoor spaces
For many home buyers, having a large garden is an integral part of owning their dream property. And if you have enough space, there is very little you can’t do. From adding a gazebo, work-from-home space, and a hot tub to the little things like nice lighting, they all add up to make your dream home something magical.

Personal touches
Your dream home is not yet fully yours until you add your own personality and interests to it. Whether that is a fine art collection, a wine cellar, a gym, or simply nice flowers, plants, and pictures, it’s only when you have added these elements that you have truly moved in.

Contact us to find your dream home today



Tunbridge Wells Local and Live, 25th-28th August

The organisers of Local & Live are excited to announce that it will be back again for 2023. The free music festival will return to Calverley Grounds over the August bank holiday...

Click here to read Tunbridge Wells Local and Live, 25th-28th August.



Tonbridge Food & Drink Festival, 2nd-3rd September

Now in its eighth year, this is the first of the food and drink festivals planned for 2023. Try, taste and buy from more than 60 stall holders selling delicious range of food and drink.

Click here to read Tonbridge Food & Drink Festival, 2nd-3rd September.



Church Road, Rotherfield

A unique detached property set in the centre of the bustling village of Rotherfield. The accommodation offers an impressive vaulted oak...
 £875,000

Click here to read Church Road, Rotherfield.



Ghyll Road, Crowborough

Offering 3 double bedrooms is this well presented detached bungalow located 3/4 of mile from Crowborough town centre.
 
£585,000

Click here to read Ghyll Road, Crowborough.



TN90s Music Festival May 26, 2024 

TN90s festival is bringing you a weekend of fun. dancing and music!

Click here to read TN90s Music Festival May 26, 2024 .



Beacon Road, Crowborough

Set down a private drive and offered to the market chain free is this spacious 4 bedroom detached house built in 2008. Advantages include 3 reception rooms, large kitchen/diner & utility room, en suite facilities...

£950,000

Click here to read Beacon Road, Crowborough.



Glenmore Road, Crowborough

Updated by the current vendors and located in a private road within the Warren area of Crowborough is this well presented 4/5 bedroom detached family home.

Click here to read Glenmore Road, Crowborough.



John Bishop and Friends Comedy Night03 Mar 2025

Comedy superstar John Bishop will lead an all-star line-up – to be announced soon - at the Assembly Halls in Tunbridge Wells on 3 March 2025

Click here to read John Bishop and Friends Comedy Night03 Mar 2025.



Frankfield Rise, Tunbridge Wells

A beautifully presented 4 bedroom town house with an open plan kitchen/dining area, generous 'L' shaped living room, bathroom...

£595,000

Click here to read Frankfield Rise, Tunbridge Wells.



Cross In Hand, Heathfield

A beautifully appointed, five bedroom detached family home built in 2019 and located in a private road. The property is arranged over three...
 
£540,000

Click here to read Cross In Hand, Heathfield.



Burnt Oak Road, Crowborough

An unlisted detached 3/4 bedroom Sussex stone cottage believed to date back to the 1800s and offered to the market "chain free". 
£850,000

Click here to read Burnt Oak Road, Crowborough.



Langridge Close, Crowborough

Set in a small cul-de-sac is this well appointed 5 bedroom, 3 bathroom detached family house with off road parking and integral double garage.

£799,950

Click here to read Langridge Close, Crowborough.



Sussex View, Frant, Tunbridge Wells

Sussex View is select development of 10 private family homes. Plot 12 is a three bedroom semi-detached...
 
£630,000

Click here to read Sussex View, Frant, Tunbridge Wells .



Frant Road, Tunbridge Wells

The property enjoys a small balcony, use of communal gardens and an allocated parking space.
 £425,000

Click here to read Frant Road, Tunbridge Wells.



Stephens Road, Tunbridge Wells

Beautifully presented 4 bedroom Edwardian home in sought-after St. Johns, Royal Tunbridge Wells.
 
£850,000

Click here to read Stephens Road, Tunbridge Wells.



Herald Gardens, Tunbridge Wells

A beautifully presented 2 bedrooms penthouse apartment located on the popular Knights Wood development 
£500,000

Click here to read Herald Gardens, Tunbridge Wells.



From renters to homeowners: The journey more are making this year

For many, renting is where the journey begins. It offers flexibility, freedom, and a chance to get a feel for different areas and property types. But for a growing number of families, renting is also becoming the springboard toward homeownership. 

With the right support and a bit of planning, the leap from tenant to homeowner can be more achievable than ever. Here’s why more renters are now looking at the next step and how they’re getting there. 

Understanding the rental-to-ownership journey 

Every homeowner started somewhere. Often that “somewhere” was a rented flat or house. Renting gives people the chance to settle into a community, learn what works for their lifestyle, and understand what they want (and don’t want) in their next home. 

More renters are taking advantage of that knowledge. They’re using their rental experience to shape their buying decisions, whether it’s prioritising outdoor space, modern kitchens, or proximity to transport links. 

Why now feels like the right time for many 

Several factors are encouraging renters to consider buying this year: 

  • The impact of housing supply has kept rental prices high, prompting many to calculate that monthly mortgage payments may not be much more. 
  • Savings habits have improved, as tenants have become more intentional about budgeting and financial planning. 
  • Mortgage product variety has widened with the recent rate cut, resulting in more first-time buyer-friendly deals and flexible deposit options. 
  • Stability and security: the desire to have control over your living space, decorate as you please, and plan for the future remains a key motivation. 

Making the transition smoother 

If you’re a tenant thinking of buying, small steps now can make a big difference later: 

  • Start tracking your expenses and saving consistently 
  • Check your credit score and seek advice on improving it 
  • Speak to a mortgage broker or advisor early to understand what you’ll need when the time comes 
  • Research locations and property types using your current rental preferences as a guide 

You don’t need to rush. It’s about moving forward at your pace with the right information and support. 

The emotional side of the move 

Going from tenant to homeowner isn’t just a financial milestone it’s deeply personal. It marks the start of creating a home that’s truly yours, from choosing the paint colours to planting a garden. 

For many renters, that possibility feels more within reach now than ever. With the right guidance and a clear plan, this could be the year they make the move from renting to owning. 

Ready to explore your next step? Let’s guide you from renting to owning this year



Home isn’t just where the heart is – it’s where the light comes in

There’s nothing quite like natural light 

Whether you’re stepping into a potential new home or walking into a space you’ve loved for years, there’s one feature that instantly lifts your mood: natural light. It’s the quiet hero of every feel-good home - brightening spaces, softening corners, and making even the simplest room feel bigger, warmer, and more welcoming. 

In 2025, natural light remains one of the most asked-for features from both buyers and renters. But why does it matter so much? And how can you make the most of it, no matter the property? 

Natural light changes how we experience a home 

Sunlight affects how we feel, how we live, and even how a home presents itself. A light-filled living room feels more spacious. A bright kitchen becomes a natural gathering spot. A bedroom bathed in morning light feels calm and energising. Studies have even linked exposure to natural light with better sleep, improved mood, and enhanced well-being. 

For both sellers and landlords, showcasing the way light flows through a property can become the defining factor in how quickly and successfully it lets or sells. 

Designing with light in mind

You don’t have to live in a south-facing house to benefit from natural light. Here are simple ways homeowners, landlords, and tenants can maximise what you have: 

  • Use lighter colours on walls and furnishings to reflect light 
  • Hang mirrors strategically to bounce light around darker rooms 
  • Keep window dressings light and airy to let as much sunlight in as possible 
  • Position furniture thoughtfully, keeping windows clear of obstructions 

Even small changes can dramatically enhance how warm a space feels. 

Letting the outside in 

Open-plan layouts, bi-fold doors, skylights, and even large windows overlooking gardens have become increasingly desirable. Not only do they flood spaces with natural light, but they also create a sense of seamless flow between indoors and outdoors something modern buyers and tenants love. 

If you’re preparing to sell or let a home, consider scheduling viewings for when natural light is at its best. Soft morning or late-afternoon light can showcase your home at its most inviting. 

More than a feature it’s a feeling 

Natural light has the power to transform a space, but its real spirit lies in how it makes people feel. Warm, open, relaxed. It’s no surprise that when people walk into a light-filled home, they instinctively linger a little longer. 

Whether you own, rent, or are thinking of making a move, never underestimate the mood-boosting, space-enhancing effect of a well-lit home. 

Looking to brighten your next home? Let’s help you find a space filled with light



Staying put or starting fresh? Why summer is decision time

Summer brings clarity and big decisions 

There’s something about the start of summer that encourages reflection. The longer days, the sense of renewal, and the natural pause in the calendar can make many people stop and wonder: is now the right time for a change? 

Whether you’re living in your first flat or a much-loved family home, summer often becomes the season for rethinking what “home” looks like. Some stay put and refresh; others choose to start a brand-new chapter. Both can be the right move -  it simply depends on where you are in your journey. 

Why summer makes us think differently 

After the rush of winter and the busyness of spring, summer offers space to breathe. School holidays, quieter work schedules, and sunny weekends often give people the mental space to assess their living situation more honestly. 

Am I happy here? Do I have the space I need? These are the questions that tend to surface in summer. And with good reason the season offers some practical advantages if you decide to act. 

For those who choose to stay 

Sometimes, staying put feels just right. You may realise that you love your neighbourhood, your routines, and the comfort of the familiar. In that case, summer becomes the perfect season for refreshing your space rather than relocating. 

Think decluttering, minor upgrades, or even rethinking how you use certain rooms to better suit your lifestyle. A home refresh can work wonders in making a familiar space feel brand new again. 

For those ready to start fresh 

If you’ve decided a move is the next step, summer provides ideal conditions to do so. Properties tend to look their best in natural light, outdoor spaces are in full bloom, and the market is often bustling with new listings. 

Families with school-aged children frequently aim for summer moves to minimise disruption, while renters and buyers alike enjoy the longer daylight hours for viewing properties after work. 

The beauty of decision time 

The key to a successful summer decision is to trust your instinct and take action at your pace. If you’re happy, take the opportunity to enhance what you have. If you’re craving something new, know that the market is active and there are options waiting to be explored. 

Either way, summer offers a rare window of opportunity to take control of your next chapter. 

Thinking of staying or moving this summer? Let’s help you take the next step with confidence



Why choosing the right agent still matters (even in 2025)

The tools have changed but good guidance never goes out of style 

In an age where you can browse hundreds of listings from your phone, arrange virtual tours, and even get instant online valuations, you might wonder: do I still need an agent? 

The short answer? Yes and here’s why. 

Expert local estate or lettings agent offer much more than just listings and paperwork. They offer reassurance, experience, and hands-on support that technology simply can’t replace. Whether you’re selling, buying, letting, or renting, having the right person by your side can make the process smoother, faster, and far less stressful. 

Navigating the unknowns 

Every move is unique. Even with the most thorough preparation, unexpected challenges can pop up: delays in chains, legal questions, changing market conditions, or last-minute hitches. An experienced agent has seen it all before and knows how to calmly guide you through. 

Think of your agent as your safety net. They know what to expect, when to push, when to pause, and how to keep momentum when things get tricky. 

Maximising your property’s potential 

For sellers and landlords, a great agent can be the difference between a “just okay” result and the very best price. They know how to stage and market a property to the right audience. They understand what buyers and tenants are really looking for, what photos will grab attention, and how to time the market for maximum impact. 

The right agent also manages viewings, filters serious enquiries, and negotiates on your behalf so you can focus on planning your next move. 

For buyers and tenants: A smoother search 

Even the most motivated house-hunter or renter can hit walls of uncertainty. Is this the right area? Am I overpaying? Is there something I’ve missed? 

An agent who knows the local market inside out can answer those questions and give honest, straightforward advice. They can suggest alternatives you may not have considered, arrange viewings efficiently, and flag opportunities before they go public. 

Relationships matter 

Perhaps the biggest value an agent brings in 2025 is human connection. Moving house is emotional. It’s exciting, but it’s also one of life’s biggest stressors. A good agent will listen, reassure, and act in your best interest throughout. 

Technology has made searching easier, but it hasn’t replaced the power of experience, empathy, and real-world knowledge. 


Looking for support with your move? Let’s make the process easier together