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Author: Sophie Winter

Mortgage Advice: finding the right deal for you

Posted on by Sophie Winter

When it comes to getting mortgage advice or securing a mortgage, many people head straight to their bank or building society, often where they hold their current accounts. While this is a common approach, it may limit your options and prevent you from finding the best deal.

To ensure you find the most suitable mortgage for your specific needs, it’s essential to explore a broader range of choices. This is where the difference between going direct to a lender and using a mortgage adviser becomes critical. As estate agents, we work closely with the mortgage advisers at The Residential Mortgage Hub (also known as a mortgage broker) who have access to an extensive range of mortgage deals available across the market.

Why speak to a mortgage adviser?

A mortgage adviser plays an important role in helping you navigate the mortgage landscape. With access to thousands of mortgage products from multiple lenders, they can provide expert mortgage advice that’s tailored to your financial situation. By working with a mortgage adviser early in the process, you gain valuable insight into the options available to you, even before you start searching for a property.

A mortgage adviser will:

  • Explain the first steps in getting a mortgage.
  • Guide you on the necessary financial research and budgeting.
  • Help you save for your deposit.
  • Search for the right mortgage deal and handle the application process on your behalf.

With their expert mortgage advice, they can even provide a clear understanding of how much you may be able to borrow using their budget planning tools. This insight is invaluable when you reach the exciting stage of looking for your new home.

Finding the right mortgage for your needs

Once you’ve saved your deposit and found a property, your mortgage adviser will search thousands of deals from a wide variety of lenders.

They understand the mortgage market, and more importantly, which lenders are likely to approve your mortgage based on your individual circumstances and the type of property you’re purchasing. Not all lenders will approve mortgages for every buyer or every property type, so having professional mortgage advice can make all the difference.

With an experienced adviser by your side, you’ll be less likely to face the disappointment of a mortgage rejection, giving you peace of mind throughout the home-buying process.

They handle your mortgage application for you

After finding the right mortgage for you, they’ll manage the entire application for you. From handling the paperwork to liaising with surveyors and your legal team, they’ll save you time and ensure everything is in order. They will also keep you informed at every stage and are always available to answer any questions you may have, no matter how small they seem.

Mortgage protection insurance

Beyond your mortgage, you’ll need to consider essential protection policies such as buildings and contents insurance, as well as life and critical illness cover. These are important steps to safeguard your home in the event of unforeseen circumstances.

Their mortgage advisers, are also qualified to provide advice on these insurance options. They’ll shop around for the most suitable policies for you, taking care of the paperwork so you can focus on your new home with confidence and security.

Book your appointment with The Residential Mortgage Hub

Buying a home can be a stressful process, but with the right mortgage advice, they can make it a lot easier. Book an appointment with one of their mortgage advisers today, either online or by calling 01634 968111!

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount will depend upon your circumstances. The fee is up to 1% but a typical fee is £598. For insurance business we offer products from a choice of insurers. As with all insurance policies, conditions and exclusions will apply.

Recent Articles

Actions landlords should take when their tenant falls into rent arrears

Posted on by Sophie Winter

Are you familiar with the appropriate steps to take when a tenant falls behind on rent payments? This can pose a challenge for landlords, as it is crucial to ensure compliance with relevant legislation throughout the process. Additionally, many landlords lack a systematic approach for addressing such situations, which can leave them feeling unprepared. Today, we will outline some essential guidelines for pursuing rent arrears, including dos and don’ts. We will also delve into the recommended process for handling these complex scenarios, including the selection of appropriate legal notices to serve.

A tale of two tenants

CR Real Estate has identified two distinct types of tenants who experience rent arrears. The first group consists of tenants who, due to unfortunate circumstances, find themselves unable to pay at present despite their willingness to do so. The second group comprises tenants who have the financial capability to pay but deliberately choose not to fulfill their rent obligations. Dealing with tenants in the latter category can be particularly challenging. Therefore, it is crucial to establish a well-defined process that guides your actions, ensuring you are prepared to handle either situation effectively.

Guidelines for pursuing rent arrears: what to do and what to avoid

As you develop your process, we will provide our recommendations on the dos and don’ts in handling such situations. Effective communication is paramount. Once you become aware of missing payments, promptly reach out to the tenant to understand if there is an underlying issue causing the problem.

Through these communications, you can determine which category the tenant falls into and work towards finding a mutually satisfactory solution. The initial step, when a tenant fails to pay rent for seven days, is to send a formal letter requesting payment. Follow-up letters should be sent every seven days throughout the process. Simultaneously, attempt to contact them via phone or email to seek an explanation and negotiate a payment plan.

It is crucial not to harass the tenant. Continuous, excessive contact throughout the day is legally defined as harassment and should be avoided. Instead, establish scheduled times for communication.

If the tenant is genuinely unable to pay, it may be worthwhile to apply for direct payment from Universal Credit. The advantage of this step is that there is no harm in making the application, regardless of whether the tenant eventually receives payments from Universal Credit. It can potentially relieve the tenant from the responsibility of making rent payments themselves.

What to do when they just won’t pay

Responding promptly is crucial when dealing with tenants who are capable of paying rent but refuse to do so. In such cases, we recommend taking swift action to regain possession of your property. It is important to send rent demand letters promptly every 7 days, and on the 28th day, serve a notice of possession as soon as possible. Once legally permissible, initiate court proceedings without delay.

Now, you may be wondering about the appropriate notice to serve tenants in arrears. Our recommendation is to serve a Section 8 notice, specifying the grounds you wish to rely upon (typically grounds 8, 10, and 11). This notice is appropriate when the tenant is two or more months behind on rent. We suggest this notice because it comes with a 14-day notice period in England, allowing for the quickest path to regain possession of your property in such cases.

You may have heard of serving a Section 21 notice to tenants in arrears, which is also a valid option. However, it is worth noting that the notice period for Section 21 is 2 months long, resulting in a delay in effectively addressing the situation.

Final Thoughts

Ultimately, effective communication plays a vital role in responding to tenants who have fallen into rent arrears. For tenants experiencing financial difficulties, engaging in dialogue can help understand their challenges and work towards a mutually agreeable payment plan. However, when tenants willingly refuse to pay, they are often unresponsive, necessitating legal action. Familiarising yourself with relevant legislation is crucial, and a valuable resource we recommend is GOV.UK, which provides up-to-date guidance and information on the legal notices discussed today.

We hope this has provided you with valuable insights on how to handle tenants in arrears. At CR Real Estate, we are committed to assisting landlords in effectively managing their rental properties. We have developed a wealth of content offering practical, step-by-step guidance on the pertinent legislation that landlords need to navigate. Contact our expert lettings team today to discuss your property and how we can help you.

This article is intended as a guide only and does not constitute legal advice. For more information, visit gov.uk.

Recent Articles

September property market update

Posted on by Sophie Winter

According to the latest Rightmove House Price Index, average asking prices for new sellers rose by 0.8% (+£2,974) in September, reaching £370,759, with the property market benefiting from a surge in activity. This price increase is double the long-term average for this time of year, reflecting pent-up buyer demand being released, leading to a 27% year-on-year rise in sales agreements.

Image from Rightmove September House Price Index

More sellers entering the property market

Rightmove’s data highlights growing confidence among homeowners, with 14% more sellers entering the market compared to last year. The number of available properties per estate agent has also reached its highest level since 2014, giving buyers more choice with an average of 33 homes per branch.

How long is it taking to find buyers?

Despite increased market activity, caution remains a buyers are price sensitive. It currently takes an average of 60 days for sellers to find buyers. This is slightly longer than last year, as value-conscious buyers take their time. Well-priced, appealing homes are likely to attract buyer interest quickly, while those that are overpriced or poorly presented may struggle to gain attention.

Mortgages

While the recent decline in mortgage rates is encouraging for buyer confidence, they remain high compared to the 2008-2022 period. Rightmove’s weekly mortgage tracker shows the average 5-year fixed rate at 4.67%, down from a peak of 6.11% in July 2023. But still nearly double the 2.34% seen three years ago before 14 consecutive Bank Rate increases. While some buyers are taking advantage of the current conditions, others may need to wait for further rate reductions and improved affordability. It is always wise to speak to a mortgage broker for guidance and advice.

Uncertainty remains, with attention focused on whether the Bank of England will implement a second consecutive rate cut this week. Looking ahead, the Autumn Statement could impact specific segments of the property market. Rightmove’s data suggests certain areas are already feeling the effects of a potential rise in capital gains tax. As a record number of former rental properties are now listed for sale, indicating more landlords are exiting the market.

Tim Bannister, Rightmove’s Director of Property Science, says:

“Early autumn movers who are acting quickly and taking advantage of the improved market conditions are getting the pick of quality homes for sale. Home-owners who are thinking of coming to market soon shouldn’t let the increased activity make them over-optimistic and must price competitively to sell. With affordability still very stretched for many, choosy buyers are taking their time to browse the increased number of homes for sale and find the perfect home at the right price. There are question marks over how the market will be affected by announcements in the Autumn Statement, but until then we expect that market momentum will continue as the autumn action rolls on.”

Curious about your property’s value?

Find out today with a free online property valuation or call our team on 01634 570057.

Recent Articles

Property management insights: key facts every landlord needs to know

Posted on by Sophie Winter

Managing a rental property can be rewarding, but it’s also time-consuming. On average, landlords spend up to 15 hours per month handling various tasks related to their rental properties. From tenant communication to maintenance coordination, these responsibilities can quickly add up, eating into your valuable time. Now, imagine what you could do with those 15 hours instead—whether it’s focusing on your career, spending quality time with family, or simply enjoying a hobby. The truth is, property management doesn’t have to consume your life.

Legal support and regulations

One of the most challenging aspects of being a landlord is navigating the complex web of legal requirements. Did you know that 1 in 5 landlords accidentally breach regulations? These mistakes can lead to hefty fines and legal complications, turning your investment into a potential liability.

Landlords responsibilities and property laws and regulations are constantly changing, and keeping up with them can be overwhelming. A property manager is always up-to-date with the latest legal developments, ensuring that your investment remains compliant and protected.

Fewer vacancies and higher income

Landlords who partner with professional property management companies typically experience fewer vacancies and higher income. Studies show that professionally managed properties can earn up to 10% more annually compared to those that are self-managed. This increase in income is not just from better tenant retention but also from expert marketing and strategic rent adjustments.

Property maintenance

Maintenance and repairs are another significant concern for landlords. Keeping a property in top shape is crucial, but it can be time-consuming and stressful, especially if you’re not handy yourself. Our property managers handle all maintenance and repairs, so you don’t have to lift a finger. They have a network of trusted contractors who can address issues quickly and efficiently, ensuring your property remains in excellent condition.

Tenant registration

Another major advantage of working with a property management company is our ability to screen tenants effectively. Bad tenants can cause endless headaches, from late payments to property damage. Our professional tenant screening ensures that your property is occupied by reliable, responsible tenants, reducing the risk of these issues.

So, are you ready to enjoy a stress-free landlord life?

Partnering with a professional property management company like CR Real Estate offers peace of mind, reliable income, and expert support. It’s time to take the next step towards maximising your investment while reclaiming your time. Contact us today and experience the benefits of professional property management!

Recent Articles

Searching for an estate agent in Gillingham

Posted on by Sophie Winter

At CR Real Estate, we pride ourselves on being a professional estate agent in Gillingham and provide a comprehensive range of services for homeowners and landlords. We actively market your property to our extensive network of potential buyers and tenants. Ensuring it’s advertised on our website and all major property platforms such as Rightmove, Zoopla, and PrimeLocation. Additionally, your property will be showcased on our social media channels. By maximising exposure, we aim to secure the best possible price for your Gillingham property. With years of experience serving the area, CR Real Estate has built a reputation as a trusted and respected estate agent in Gillingham.

Gillingham area guide

Are you planning to buy or rent a property in Gillingham? We’re here to help you! Explore our website for available listings for sale and to rent or continue reading. According to Rightmove, the average property price in Gillingham over the last year was £316,000, with the majority of sales being terraced properties. Although the area offers a variety of housing options; including bungalows, semi-detached houses, large family homes, and apartments for both sale and rent.

What’s in Gillingham?

In recent years, Gillingham has undergone significant regeneration. Gillingham is also home to the Medway campus of the University of Greenwich. Along with many other popular primary and secondary schools in the local area. Modern apartment complexes with on-site amenities have been developed alongside the historic properties in the dockyard. The High Street remains a central feature of the area. Traditionally, property sizes increased towards Upper Gillingham. A pattern that largely remains today with larger homes found in Upper Gillingham and the Darland areas.

Newer apartment developments along the waterside and dockyard have introduced a refreshing mix to the Victorian-style cottages that were once predominant. Medway Maritime Hospital, located in Upper Gillingham, is Kent’s largest and busiest hospital. Operated by Medway NHS Foundation Trust, it serves a population of over 424,000 across Medway and Swale.

Travel links in Gillingham

Gillingham is well-connected by both road and rail, situated approximately 35 miles southeast of London. Gillingham’s train station offers regular services to London Victoria, London Bridge, Cannon Street, and St Pancras International. As well as connections and routes to the Kent coast and the historic city of Canterbury. Local bus services also connect Gillingham to nearby towns such as Chatham and Rainham, with frequent weekday schedules.

Looking for an estate agent in Gillingham?

If you’re looking to buy, rent, sell, or let properties in Gillingham or any other area in Medway, reach out to CR Real Estate. With over 129 years of industry experience combined, we provide expert guidance on every aspect of moving home, including mortgage advice.

Recent Articles

Why do I need a property inventory as a landlord?

Posted on by Sophie Winter

Why is a property inventory essential?

Before the introduction of deposit protection laws in 2007, many landlords overlooked the importance of having a detailed property inventory. Those who did create one often produced a basic list of items included in the property, lacking in detail. However, in today’s rental market, having a comprehensive property inventory at the start and end of every tenancy is crucial. It serves as the only concrete evidence a landlord can use to prove that any damage to the property was caused by the tenant.

In the event of a deposit dispute, it’s important to understand that deposit scheme adjudicators operate on the principle that the deposit belongs to the tenant. Landlords can only make deductions if they meet the following criteria:

  • The tenancy agreement contains the proper clauses
  • They can show, on the ‘balance of probabilities’ that the tenant is liable, and
  • The sum claimed is reasonable.

Without clear evidence showing the condition of the property at the start and end of the tenancy, your claim is unlikely to be upheld. Therefore, a detailed inventory protects you from bearing the full cost of repairs, while also ensuring that the tenant is not unfairly charged.

If you choose to let or fully manage your property through us, we’ll take care of the entire inventory process, so you won’t have to worry about arranging it yourself. If you’re not using our full management service, we can still conduct a thorough inventory for you.

What should a property inventory include?

A thorough check-in inventory should include the following:

  • A detailed list of every room and area in the property, including all fittings and contents.
  • A description of the condition of each item, from ceilings and carpets to light switches and bathroom fixtures, with a rating system. This could range from ‘brand new’ to ‘poor’ or use a ‘traffic light’ system (green/amber/red).
  • An assessment of the property’s overall cleanliness.
  • The condition of outdoor spaces like the garden, driveway, gates, and fencing.
  • Documentation of any garden furniture or fixtures, and confirmation that garages and sheds are empty and tidy.
  • Dated and time-stamped photographs or videos showing the general condition of each room, with close-ups of any existing wear or damage.
  • Verification that electrical appliances, fixtures, and lights are functioning.
  • Results from smoke and CO2 alarm tests.
  • Meter readings.
  • A list of keys provided to the tenant.

The more detailed the inventory, the easier it will be to identify any changes in the property’s condition over time. When the tenant moves out, the original inventory should be updated to reflect any changes in contents, condition, and cleanliness.

Can I do the property inventory myself?

Although it is possible to carry out the property inventory yourself, we recommend using a professional. They have the expertise to complete the report efficiently and impartially, offering reassurance to both you and the tenant.

At CR Real Estate, we offer inventories as an optional extra within our Fully Managed service. If you have any questions about inventories or are interested in our property management services, please get in touch with our office, and one of our team members will be happy to help.

Recent Articles

August property market update

Posted on by Sophie Winter

The average asking price for properties entering the market has seen a typical seasonal decline this month, dropping by 1.5% (-£5,708) to £367,785. For the past 18 years, August has consistently witnessed a dip in asking prices, and this year’s decrease aligns with the long-term trend. The summer holiday period often distracts buyers, causing them to delay moving plans, which in turn leads some sellers to price more competitively, especially if they need to sell quickly. However, unlike last summer’s peak-mortgage-rate market, this year’s sellers might benefit from renewed buyer interest.

As noted in our July update, the recent Bank of England rate cut—the first in four years—has accelerated mortgage rate reductions, boosting buyer demand and setting the stage for a promising autumn market. As a result, Rightmove have adjusted their 2024 forecast, now expecting a 1% increase in new seller asking prices instead of the previously anticipated 1% decline.

Tim Bannister, Rightmove’s Director of Property Science, says:

“The recent Bank Rate cut, the first since 2020, has sparked a late summer surge in buyer activity. While mortgage rates haven’t dropped significantly yet, the fact that the long-awaited rate cut has finally arrived, with rates trending downwards, is encouraging for those looking to move. As summer ends, the conditions are favorable for a more active autumn market. This positive response from home-movers, coupled with other encouraging trends, has led us to revise our 2024 forecast. We now predict a slight 1% rise in new seller prices over the year, a modest change from our original 1% decrease forecast, which had anticipated only a minor decline in prices.”

What’s happened since the rate cut?

Since the Bank Rate cut on August 1st, the number of potential buyers contacting estate agents has increased by 19% compared to the same period last year. This is a significant improvement over the subdued market of 2023, which nationally struggled with high inflation and peak mortgage rates. The rise in buyer demand, which was up 11% in July, highlights the immediate and significant impact of the Bank Rate cut.

What about house prices?

This positive shift, combined with other favourable market data, has prompted Rightmove to revise its end-of-year forecast upward, now expecting a 1% rise in new seller asking prices for 2024, instead of the previously predicted 1% decline. The market is likely to see small price increases in autumn, followed by the usual seasonal decreases at year’s end. While uncertainties remain—such as the October Budget, the timing of a second rate cut — the outlook for the rest of the year appears positive. Sales agreements between buyers and sellers are up 16% from last year, and the number of new sellers entering the market is 5% higher than this time last year.

Image from Rightmove August House Price Index

Mortgages

Mortgage rates have also been declining, with the average five-year fixed rate now at 4.80%, a noticeable improvement from 5.82% in 2023, though still high compared to three years ago. Rightmove’s weekly mortgage tracker shows that the best available five-year fixed rate is currently 3.83% for buyers with a 40% deposit, the lowest rate since the period before the mini-Budget in September 2022.

While it may take a few more Bank Rate cuts for home-movers to see a significant reduction in mortgage rates, the immediate boost in buyer sentiment is clear. Both buyers and sellers are more optimistic, as shown by the recent increase in activity.

Curious about your property’s value?

Find out with our free online property valuation.

Recent Articles

What’s happening with mortgage and interest rates?

Posted on by Sophie Winter

If you’re considering buying a home, you may be curious about the current mortgage rates in the UK.

What’s the latest on mortgage and interest rates?

There’s been a lot of attention on the Bank of England’s (BoE) Base Rate increases and their potential effect on mortgage rates. The BoE meets roughly every six weeks to decide whether the Base Rate should rise, fall, or remain unchanged.

In early August, the Base Rate was reduced to 5%, the first cut in over four years. This was after being held steady at 5.25% since August 2023. This followed inflation reaching the Bank of England’s 2% target in May for the first time since 2021, and remaining at that level in June.

When could mortgage rates start to decline?

Another Base Rate cut is anticipated by the end of the year, with projections suggesting it could drop to around 3.25% by December 2028, though this will depend on broader economic conditions.

However, predicting significant drops in mortgage rates remains challenging due to various influencing factors. These include inflation trends, declining swap rates, and the absence of unexpected economic shocks.

How much can you borrow with a mortgage?

The amount you can borrow with a mortgage is determined by an affordability assessment, and your interest rate depends on the size of your deposit, referred to as loan-to-value (LTV).

LTV is expressed as a percentage, representing the size of the mortgage relative to the value of the home you intend to buy. The larger your deposit, the lower the LTV, and vice versa.

To get an estimate of how much you could borrow, you can use a Mortgage Calculator. For a more tailored result, applying for a Mortgage in Principle can bring you closer to securing a mortgage offer.

Want to speak to a mortgage adviser?

CR Real Estate work in partnership with The Residential Mortgage Hub to offer trusted advice that’s tailored to your needs.

Book your FREE appointment with their mortgage and protection advisors online. They have access to over 12,000 products from 90+ lenders on the mortgage market. Their team will handle the whole of the application process for you and deal with any challenges that may arise.

Please note: CR Real Estate is not authorised to provide financial advice. The information and opinions in this article is not intended as financial advice and should not be relied upon for financial decisions. Please consult a regulated mortgage adviser for guidance.

Recent Articles

Key ways to enhance your property’s appeal to buyers

Posted on by Sophie Winter

When selling your property, it’s essential to view it from a potential buyer’s perspective. Buyers will try to envision themselves living in your home, and immaculate presentation can help you find a buyer quicker.

Presenting to buyers

Professional photography plays a crucial role; listings with high-quality photos can generate 93% more viewing enquiries than those with less attractive photos. Therefore, preparing your property for photos is well worth the effort. First impressions are critical, and poor photography or staging can quickly turn buyers away.

Reduce clutter

A cluttered and disorganised home can feel cramped and uninviting, which is shown in photos, virtual tours, and in-person viewings.

While personal items can add character to your home, potential buyers may see them as clutter, making your property appear crowded. You should aim to make your home feel spacious and airy.

Consider the functionality of each item in your rooms. If an item doesn’t serve a purpose or hasn’t been used recently, it likely won’t contribute positively to a buyer’s first impression. Store nonessential items out of sight in baskets or cupboards for photos and viewings. Your goal is to present a lived-in space that still feels like a blank canvas for potential buyers to make their own.

Colour and lighting

Maximise natural light by booking photos and viewings during peak daylight hours, typically around midday.

For colour schemes and artificial lighting, consider your target audience. A colder palette with white LED lighting, metallic fixtures, and white walls may suit a younger buyer, while a warmer palette with soft yellow and orange tones and natural materials like wood and bamboo might appeal to families.

Staging

You should aim for openness and simplicity when staging your home. Think about what your potential buyer may want. Make sure entrances and exits are clear and paths between them are open; and position furniture so that it doesn’t obstruct movement.

Keep furniture against walls to maximise central space in each room, and experiment with different arrangements to find the best layout. A key and cheap item to include is plants as they can add life and texture to your space.

Curious about your property’s value?

Find out with our free online property valuation.

Recent Articles

The challenges of managing rent collection on your own

Posted on by Sophie Winter

Making sure that rent collection payments are on time and paid in full each month is an important task for any landlord managing a rental property. Rental income is the lifeblood of your investment, covering mortgage payments and regular maintenance, and providing a profit margin.

Many landlords face financial strain if rent is missed even briefly, as they may rely on rental income for personal expenses or need to cover mortgage payments themselves. This highlights the importance of:

  1. Conducting thorough referencing and credit checks before accepting a tenant to confirm they can afford the rent.
  2. Monitoring rent collection payments on the due date.
  3. Contacting the tenant immediately if payment is missed to determine the cause and take appropriate steps:
    • Resolve bank issues or forgotten payments promptly.
    • Arrange a payment plan if the tenant has short-term financial difficulties.
    • Consider eviction if the tenant cannot afford the rent or is deliberately not paying.

Challenges for DIY Landlords

DIY landlords often face specific challenges in rent collection:

  • Forgetting to check the rent due date, especially when busy or on holiday.
  • Handling repeated non-payment legally and appropriately to enable potential eviction.
  • Avoiding harassment and knowing legal limits in rent collection.
  • Risking legal claims if tenant rights are violated or the collection process is mishandled.

Benefits of working with professional rent collection services

Working with a property management company like CR Real Estate can alleviate these issues:

  • We ensure timely and full rent payments with established procedures.
  • We will notify and follow up with tenants on late payments.
  • We have expert property managers who effectively communicate and negotiate with tenants, detecting any issues early.
  • We assist in evictions if necessary, ensuring the process is legally sound and efficient.
  • We help end tenancies quickly to bring in new paying tenants.

While most tenants pay rent on time, the odd occasional issue requires immediate attention to avoid financial loss.

How to make sure tenants rental payments are on time

To help tenants make timely payments:

  • Provide your bank details and request tenants set up a standing order for rent.
  • Mark the due date to check payments with your bank.
  • If rent is missed, contact the tenant and confirm the conversation in writing.
  • For short-term affordability issues, consider a written and signed payment plan with the tenant.
  • If persistent non-payment occurs, consider starting the eviction process:
    • Serve a section 8 notice for rent arrears after two months and pursue a possession order if necessary.
    • Alternatively, issue a section 21 notice with two months’ notice, potentially using an accelerated possession order.

After eviction, you may pursue overdue rent, though it might be more practical to focus on finding a new tenant quickly.

Contact us for professional property management

Managing property rentals, especially rent collection, can be challenging. Let our team at CR Real Estate handle it for you. We work hard to ensure timely rent collection payments and hassle-free property management, giving you peace of mind.

Call us today on 01634 570057 and experience stress-free property management.

Looking to rent out a property as a holiday let?

If you want to know more information about holiday lets please contact our local lettings experts on 01634 570057 or book a free online property valuation.

Recent Articles

Top tips for finding your perfect home this summer

Posted on by Sophie Winter

Moving home is becoming more streamlined and less stressful, especially during the summer months. The relaxing vibe, longer days, and better weather make it an ideal time to find your perfect home.

What do you want from your next move?

Consider what you want in your next home. A larger garden might be on your priority list, so as you browse the wide range of properties available in summer, create your own list of must-haves. This might include location, the number of rooms, or the type of property. Stay open to new ideas and possibilities—sometimes the perfect property is one you hadn’t initially envisioned.

Talk to a local property expert to find your perfect home

The UK property market is highly varied, with conditions changing from one street to the next. Local knowledge is important for a successful move. The market you are leaving will be different from the one you are entering, and your needs are as unique as the properties available. Spend time with a local property expert to discuss your requirements; this is a key step in finding your perfect home.

Book a valuation

Planning your moving budget starts with a home valuation. Your property’s value may have increased more than you expect, opening up possibilities for better properties. Ensure you get a thorough, in-person valuation to determine the true value of your home without unrealistic pricing, which can negatively impact your sale.

Look at recently sold prices

Don’t rely solely on your agent for market insights. Looking at the selling prices of recently sold properties or similar homes can help you understand the market better. This summer is marked by stability, offering good equity growth for sellers and reasonable pricing for buyers.

Maximise viewings with longer days

Summer brings an abundance of properties to the market, so book as many viewings as possible. With quieter roads during school holidays and better weather, you can take more time to view properties. A good agent can help you find that special “I’m home” feeling.

Curious about your property’s value?

If you’re ready to find your perfect home this summer, contact our local experts or find out what your home could be worth with our free online property valuation.

Recent Articles

Things to do in Kent – Summer Holidays

Posted on by Sophie Winter

As a local estate agent serving the entire Kent area, we’ve experienced many summer holidays and understand how challenging it can be to keep your little ones entertained during these long weeks, so we’re here to help. From historic excursions to special anniversaries and a wide variety of activities, here’s our guide of things to do in Kent during the summer holidays.

Set sail to the Historic Dockyard Chatham – 27 July to 1 September 2024

This Summer, treat your family to Kent’s biggest day out at The Historic Dockyard Chatham.

Solve the mystery of the Torpedo Turncoat in ‘The Game Is Afoot‘ and explore all the attractions The Dockyard has to offer, including three historic ships, interactive museum galleries, playgrounds and soft play.

One free child ticket for every full paying adult. Offer is available to book online or at our ticket desk. Tickets are valid for multiple visits for a whole year. Offer is not valid in conjunction with any other promotion.

Supercar Weekend at Hever Castle – 3 August & 4 August 2024

Head to Hever Castle for Supercar Weekend, a car event organised by Challenge the Road.

A whole host of stunning super cars with their own individual stories will be on display in the gardens with the Castle as a stunning backdrop.

Head to the Castle Forecourt at 12:30 and a very special supercar will be revealed!

Pricing Information

Included with admission unless otherwise stated.

Willow’s Birds of Prey and Wildlife Trail

The Willow’s Bird of Prey and Wildlife Trail near Sevenoaks in Kent is a great place to take the children for a fun family day out!

Enjoy the 6-acre nature trail in a woodland setting full of wildlife and birds.

Please visit their website to book and for more information.

Dinosaur Week at Kent Life – 12 August to 16 August 2024

Come and join us at Kent Life during the summer holidays for a 5 day celebration of all things dinosaur!

You can experience:

  • George the Jurassic Dinosaur!
  • Critter Corner: A chance to find out about bugs, snakes, spiders and other critters.
  • Big Top Shows!
  • Pop up Activities

PLUS – enjoy other great Kent Life summer holiday activities including fun farm rides, indoor and outdoor play and paint-a-pot*!

*small additional charge.

Biggin Hill Memorial Museum

Visit Biggin Hill Memorial Museum to discover Britain’s most famous fighter station, and the inspiring stories of the brave people and technical innovations that shape our world today. One of Britain’s oldest aerodromes, RAF Biggin Hill is still internationally recognised as Sir Winston Churchill’s ‘strongest link’. The Museum tells the story of RAF Biggin Hill through the personal experiences of those who served there, and the community who supported them.

Please visit their website for more information.

Pirates! at Dover Castle – 3 & 4 August 2024

Ahoy, me hearties! Set sail for Dover Castle this summer and get ready for a spectacular adventure on the high seas. See some of history’s most famous pirates fight it out at close quarters, and listen to them tell their tales of booty, bounty and barnacles.

With shows, demonstrations and hands-on activities, there’ll be plenty of piratical fun for the whole family set against the majestic Dover Castle – whether you’re a scallywag, a salty sea dog or a lily-livered landlubber.

For more information or to book tickets please visit their website.

Summer at Wildwood – 27 July to 1 September 2024

From Saturday 27th July – Sunday 1st September, Wildwood Kent’s visitors will navigate their way through the park on an exciting Super Summer Trail.

In celebration of the speed, strength and grace of Wildwood’s charismatic creatures, competitors will be tasked with finding the answers to a series of sportingly good questions to be in line for a prize and a place on the winners’ podium.

Tickets are available on the day, on entry. For more information please visit their website.

Summer at the Cathedral

Whether you want to enjoy the sun, or escape the heat, there’s something for everyone this summer, at Canterbury Cathedral!

Discover England’s First Cathedral, join us for FREE* activities and family tours, explore the gardens and picnic in the Precincts, enjoy outdoor theatre performances, or cool down in the Crypt.

And don’t forget, your Cathedral admission ticket is valid for 12 months, meaning you can re-visit the Cathedral as often as you want in that time at no extra cost! And KIDS GO FREE!**

* Included free with a valid Cathedral Admission Ticket or Cathedral Pass.

**Children aged 17 and under go free (T&Cs apply).

Kent & East Sussex Railway – 1 July to 31 August 2024

Kids go free this Summer at the Kent and Sussex Railway

This July and August – up to 3 kids go free with a fare paying adult or senior! Tickets are available to book online until midnight for travel the following day.

Please visit their website to book and for more information about their events and trains.

Bewl Water

Bewl Water is the largest stretch of open water in the South East. The 800 acre site is set in an Area of Outstanding Natural Beauty, in the heart of the High Weald.

It offers a fantastic range of leisure and recreational activities, including fishing, cycling and boating, on and around the reservoir with a centre, conference venue, restaurant and café on the shoreline.

Please visit their website for more information.

Summer Explorer Quest at Walmer Castle – 20 July to 1 September 2024

Noble, our trusty guard dog, has lost his shadow at Walmer Castle and needs the help of little adventurers to find it! Join Noble and his friends on a summer quest to search for his shadow throughout the grounds of Walmer Castle during the summer holidays.

Please visit their website for more information or to book.

Get Ready to Roll at Concrete Canvas Mini Fest – 18 August 2024

Add some color to your summer!  Introducing Concrete Canvas, happening at Lockmeadow Entertainment Complex.

What is Concrete Canvas?  Imagine a vibrant fusion of street art and skateboarding, all wrapped up in a family-friendly festival atmosphere!  Get ready to witness live art in action, feel the buzz of creativity, and soak in the infectious energy of the skate scene.

Grab Your Skateboards and Paint Brushes!  Whether you’re shredding the ramps or adding your mark to the canvas, Concrete Canvas promises a day filled with creativity, community, and endless inspiration.

Please visit their website for more information.

Summertime at Leeds Castle

From 20th July to 1st September 2024, immerse yourself in a world of thrilling activities and captivating events perfect for the whole family. Make the most of your admission ticket this summer & experience something new with every visit.

24 July – 6 August – SUMMER WOODLAND TRAIL

10 & 11 August – MOTORS BY THE MOAT

Please visit their website for more information about their events and activities.

Summer At Cyclopark

Get Ready For A Summer Of Family Fun At Cyclopark!

Cyclopark is inviting you to get outdoors with us this summer! Throughout July and August enjoy a huge range of cycling activities, family adventure and community events, all in one unique venue! 

Please visit their website for more information about each exciting event they have got on this Summer!

The Royal Engineers Museum

Galleries at this interesting museum include the Waterloo Map, the world’s first useable guided torpedo, a huge piece of the Berlin Wall, a Harrier Jump Jet and an enormous V2 Rocket! There’s lots to see outside as well, with tanks and other vehicles. Let the kids have a go on the play area, shaped like a First World War Tank!

Please visit their website for more information.

Soar Trampoline Park

Wall to wall trampoline arena, foam diving pits, dodge-ball courts, slam dunk, wiggle ladder, dual pit, Wipe Out zone & the Wall. Exhilarating, fun for everyone.

Please visit their website for more information.

Wingham Wildlife Park

Kids will love Wingham Wildlife Park, which offers a great opportunity to experience some amazing animals and unusual creatures. There are pre-booked experiences available, such as Shadow a Reptile Keeper, or Tiger Experience and it’s a great place to hold a birthday party.

Please visit their website for more information.

Faversham Pools

Children enjoy getting into the water and Faversham Pools has lots of swimming opportunities throughout the year. The outdoor pool, which is heated and only open in the summer, has rapid rides, a toddler pool and space for a picnic. The indoor pool, open all year, has a beach area, jacuzzi and a dual run inflatable.

Please visit their website for more information.

Eagle Heights Wildlife Foundation

Watch flying demonstrations at this large bird of prey centre, one of the UK’s largest. It is also an expanding Wildlife Sanctuary for many different species of animals, including huskies, Meerkats, snakes, Coati Mundi, a camel and more! Enjoy the outdoor picnic area, the children’s play area and the seasonal activities for children.

Please visit their website for more information.

Fort Amherst

Take pride in local history; explore a maze of underground defensive tunnels; enjoy spectacular views; step back in time to imagine the life of a Napoleonic soldier; and discover Fort Amherst’s strategic role in defending Medway in both World War I and World War II. 

Please visit their website for more information and events.

Broadditch Farm

Summer Scavenger Hunt

It’s back to nature, as you navigate your way through our woods. Search for pictures of things you’d expect to find in a woodland habitat, as well as a couple of unusual visitors you wouldn’t normally expect to see in the woods! Complete the challenges and have fun with the activities along the way.

Farmer John’s Maze Experience

Our Maze Experience is themed around Dinosaurs! Come and explore the woodland maze and find all the mega beasts. There are no dead-ends in the maze so you can’t get lost!

If you want to stay a while why not bring a picnic and enjoy it in the picnic area by the duck pond and play area!

Please visit their website for more information and prices.

Planet Ice

Enjoy ice skating all year round at Planet Ice Gillingham. The perfect day out for all the family.

Please visit their website for more information and prices.

Clip ‘n Climb Tonbridge

All the family can enjoy a wonderful day out at the largest Clip ’n Climb! This indoor climbing arena offers lots of healthy action packed fun.

The centre has 33 individual and multi climber wall challenges of varying design and difficulty. They include two special attractions – the infamous Vertical Dropslide and Stairway to Heaven!

Please visit their website for more information.

Port Lympne Hotel and Reserve

Plan a wonderful day out with all the family at Port Lympne Hotel and Reserve, and enjoy an experience that will not be forgotten.

Steel your nerves as you enter carnivore territory, with lions, tigers and cheetah. At Palace of the Apes you can get up close to the gorillas!

Be amazed at the largest collection of life-size dinosaurs and be entertained by the stories about them. Climb on board an authentic African safari vehicle to visit The African Experience.

There are also children’s play areas, where they can do some climbing, swinging and jumping of their own!

Please visit their website for more information.

Buckmore Park

All kids love karting and it can be a great family day out too! At Buckmore Park near Chatham there are motorsport related activities for youngsters aged 4 – 15 years. You can turn up and drive, book ahead, hold a great karting birthday party or even take part in laser warfare with all the family.

Please visit their website for more information.

Curly’s Farm

Curly’s Farm is a working farm set in 10 acres of gorgeous Kent countryside, on the Isle of Sheppey. Curly’s Farm prides itself on being fully inclusive where everyone can learn and develop their farming and livestock handling skills. The youngest farmers being just 3 years old, we have no upper age limit as we want everyone to access the farm!

Please visit their website for more information or to book tickets.

Bonnets and Wings Classic Car Show – 1 September 2024

The sight of more than 100 lovingly polished, immaculately restored classic cars always adds a fantastic extra dimension to a visit to the Memorial – and it’s all completely free

As well as the stunning sight of the parked up motors and all the usual outside attractions, visitors will be able to enjoy The Scramble Experience, pause for refreshments or a cream tea in the Cockpit Café and visit the Memorial’s well-stocked shop.

The cars will be arriving mid-morning and stay for most of the day, while the Memorial is open from 10am to 5pm.

Please visit their website for more information.

Jumpin Fun Inflatable Park

The Jumpin Inflatable Theme park is a brand-new leisure experience, with enough wall to wall inflatable fun for just about anyone, of any age.

Please visit their website for more information or to book tickets.

Chatham Ski and Snowboard Centre

Chatham Snowsports Centre is the South East’s premier outdoor winter sport facility. We have a 200m main slope, teaching area, toboggan run as well as a café.

Please visit their website for more information.

The Big Cat Sanctuary

Located in the heart of Kent, this sanctuary is home to a variety of amazing wild cat species – from the smallest to the largest!

Available to visit on open days or by appointment, the public can see everything in the big cat world, from a jaguar, leopard. puma to a tiger, lynx, lion and many more.

Please visit their website for more information and open days.

Sittingbourne & Kemsley Light Railway

Take a trip on a train with an original steam engine, on an original line and original rolling stock! This unique line was built in 1905 for the transportation of the raw materials required for the manufacture of paper.

Please visit their website for more information and running times.

Rochester Castle

Historic castle with captivating history, panoramic views, and challenging 800-year-old spiral staircase. Features informative displays and audio-guided tours amidst well-preserved architecture.

Please visit their website for more information.

Flip Out Ashford

Flip Out Ashford  is a 34,000 square foot arena filled with a wide range of attractions that the whole family can enjoy.

Have lots of fun on the trampolines, Ninja Tag, two stunt zones, a Soft Play and a special area for the under 5s.

Please visit their website for more information.

Summer fun at the Rare Breeds Centre – 24 July to 3 September 2024

The Rare Breeds Centre is a working 100-acre farm and tourist attraction, surrounded by the beautiful Kentish countryside.

It is home to many rare and native breeds of farm livestock and is approved by the Rare Breeds Survival Trust, with everything from pigs and sheep to horses, chickens and cows.

There’s so much to do, with visitors young and old coming to enjoy the exotic butterfly tunnel, the Discovery Garden, the woodland walks, the Secret Lake, the outdoor playgrounds, and assault courses.

Please visit their website for more information and activity dates.

Penshurst Place – 24 July to 1 September 2024

Tuesdays and Thursdays: Crafts, 11.00am – 3.30pm

Wednesdays: Bushcraft activities on the hour 11.00am – 4.00pm

Alternating every Saturday: Laser Clay Shooting OR Falconry

Sundays: Wind In the Willows Storytelling Performances

Activities included in all admission types to Penshurst Place and Gardens

Please visit their website for more information.

Mote Park

Maidstone’s largest park, Mote Park, is set in 450 acres of historic parkland qand is a great place to spend family time.

There are four play areas including a natural woodland play area for children aged 8 to 15 years and a skate park. There is also a BMX track, sports pitches, sports courts, a water-sports centre and a leisure centre!

Please visit their website for more information.

Howletts

Explore wooded walkways and paths and discover rare and endangered species, including gorillas, primates, big cats, small cats, giant anteaters and more.

Children can also enjoy being active at the great play area, and families can enjoy free daily animal talks as well as watching animal feeds.

Discover a world lost in time, at Animals of the Ice Age!  As you explore a forgotten land, you’ll marvel at the life size pre historic creatures taking over the Woodland Walk.

Please visit their website for more information.

St Andrews Lakes

As a former quarry, our team have transformed the site into a superb beautiful blue lake reserve with an amazing range of water and land based activities for all ages. Nestled in the countryside of Kent with easy access from the motorway network and national rail, St Andrews Lakes offers a retreat from the hustle and bustle of everyday life in a setting that seamlessly combines breathtaking nature with the thrill of adventure. 

Please visit their website for more information.

Dreamland Margate

Dreamland now has a cutting edge line-up of singers and spinners performing on a state of the art live stage, meticulously renovated vintage rides, art installations, pop ups and cultural activities, all providing a great day out for the family.

Their location on Margate’s seafront on the Kent coast and the people who live there underline all that they are – a  very modern UK operation with wonderful retro rides and attractions such as Dodgems, Helter Skelter a ghost train and much more. Height restrictions do apply to some of the rides.

Please visit their website for more information.

Pirate Cove Adventure Golf

Step aboard for a fun-filled 36 holes of Adventure Golf at Pirate Cove. Friends, family and pets welcome!

Feeling brave? Impress the Captain and take on the 36-hole challenge at your peril. Off the course, you can continue the adventure and take to the water on the pirate boating experience.

The shark-themed electric boats take up to four passengers and, with ergonomic seats, you can set sail across the lake for a comfortable 30-minute journey.

Perfect for all ages, the activities are great fun for everyone.

Please visit their website for more information.

Romney, Hythe and Dymchurch Railway

Romney, Hythe and Dymchurch Railway runs for 13 ½ miles from the picturesque Cinque Port town of Hythe, through the family-friendly seaside village to Dymchurch

The model Exhibition at New Romney Station is a must-see attraction. The interactive features are sure to keep children intrigued, whilst displays depicting the railway’s history always engages the grown-ups.

Children will find the train-themed outdoor play area great fun!

Please visit their website for more information.

Rochester Cathedral

Children have lots of activities on offer at Rochester Cathedral. Originally founded in 604 AD, the cathedral was subjected to invasions, fires, war damage and plundering. There is a family audio guide, interactive story trails for pre-schoolers as well as various trails and activity sheets to keep everyone busy. Donations welcomed.

Please visit their website for more information.

Diggerland

Have you ever wanted to drive a real JCB Digger or dumper?

Well, at Diggerland Kent the dream becomes a reality! There you can ride, drive and operate real, full size construction machinery which provides a truly fun day out for all the family.

The park is aimed at children between 4 and 14 years of age, however visitors of all ages can enjoy a great day out! There is a comprehensive Diggerland Ride Height Chart on their website, which indicates the suitability of all the rides they offer. Children under 100cm will enter for free!

Please visit their website for more information.

 Travel Offers

With stations covered in the likes of Dover, Ramsgate to Sevenoaks, nearly all the of the above adventures are on Southeastern’s network, plus throughout the summer on off-peak services you can take up to four children with you for just £1 each! Download the Southeastern App to buy your tickets and plan your journey. 

If you’re stacking up the ideas with all of these things to do, make sure you keep the costs down by travelling with Stagecoach! Not only do they offer 50% off Wildwood entry when you travel with them, but kids travel for £1, which will no doubt make sitting at the front on the top deck even more fun!

Looking to move this summer?

For those considering a move in Medway or the surrounding Kent areas, please contact our local property experts for a free valuation.

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