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<body bgcolor="#2DC6D6"> <h1><font face="Arial" size="7">Estate agent Leeds</font></h1> <h1><font face="Arial" size="7">Letting agent Leeds</font></h1> <h1><font face="Arial" size="7">Flat to let Leeds</font></h1> <h1><font face="Arial" size="7">Flats in Leeds</font></h1> <h1><font face="Arial" size="7">House to let Leeds</font></h1> <h1><font face="Arial" size="7">Houses in Leeds</font></h1> <h1><font face="Arial" size="7">Estate agency Leeds</font></h1> <h1><font face="Arial" size="7">Letting agency Leeds</font></h1> <h1><font face="Arial">Leeds estate agent</font></h1> <h1><font face="Arial">Leeds estate agency</font></h1> <h1><font face="Arial">Leeds estate agents</font></h1> <h1><font face="Arial">Letting agent Leeds</font></h1> <h1><font face="Arial">Letting agents Leeds</font></h1> <h1><font face="Arial">Letting agency Leeds</font></h1> <h1><font face="Arial">Leeds letting agent</font></h1> <h1><font face="Arial">Leeds letting agency</font></h1> <h1><font face="Arial">Leeds letting agents</font></h1> <h1><font face="Arial">To let Leeds</font></h1> <h1><font face="Arial">Flat to let Leeds</font></h1> <h1><font face="Arial">To rent Leeds</font></h1> <h1><font face="Arial">Flat to rent Leeds</font></h1> <h1><font face="Arial">Flat Leeds</font></h1> <h1><font face="Arial">House Leeds</font></h1> <h1><font face="Arial">Manning Stainton</font></h1> <h1><font face="Arial">Alan Cooke</font></h1> <h1><font face="Arial">Linley & Simpson</font></h1> <h1><font face="Arial">Hendys</font></h1> <h1><font face="Arial">Enfields</font></h1> <h1><font face="Arial">Jump Estate Agent</font></h1> <h1><font face="Arial">Dacres</font></h1> <h1><font face="Arial">Dacre Son & Hartley</font></h1> <h1><font face="Arial">Castlehill</font></h1> <h1><font face="Arial">David Moor</font></h1> <h1><font face="Arial">Walker Smale</font></h1> <h1><font face="Arial">Park Lane properties</font></h1> <h1><font face="Arial">Roundhay properties</font></h1> <h1><font face="Arial">Executive Lets</font></h1> <h1><font face="Arial">Selectahome</font></h1> <h1><font face="Arial">Streets Ahead</font></h1> <h1><font face="Arial">LS8</font></h1> <h1><font face="Arial">LS17</font></h1> <h1><font face="Arial">LS7</font></h1> <h1><font face="Arial">LS14</font></h1> <h1><font face="Arial">LS6</font></h1> <p><b>Rents fall after market 'flooded'</b></p> <p>The demand for rental properties is increasing across Wales An increase in the number of properties being put up for rent in Wales is pushing rents down, the Royal Institute of Chartered Surveyors (RICS) has said.</p> <p>The number of new instructions to let flats and houses has risen 57% over the quarter, a RICS lettings survey found.</p> <p>This has been mainly due to would-be sellers flooding the rental market with unsellable properties.</p> <p>This huge influx has applied a downward pressure on rents with RICS expecting them to fall in the future.</p> <p>The figures were released in the RICS lettings survey which also highlighted how demand for rental property remained positive over the last quarter.</p> <p>This is because property sales are at their lowest level since records began as banks continue to limit the number of mortgages to prospective homeowners and buyers.</p> <p>Competitive market</p> <p>A total of 36% more chartered surveyors in Wales reported a rise than a fall in rental demand, up 2% on the previous quarter.</p> <p>RICS Wales director Cathy McLean said: "The market place has become more and more competitive as many vendors have been forced to become amateur landlords, creating an inevitable downward pressure on rents where supply has matched demand.</p> <p>"With national average house prices set to weaken in 2009, yields may increase for those investors who can provide the right product for the right market place."</p> <p>Beverley Morgan, of Beverley Morgan & Company in Cwmbran added: "There seems to be an oversupply of rental properties and a lack of confidence from prospective tenants.</p> <p>"The rental values have remained the same, although in some cases landlords are prepared to take less than the asking price."</p> <p>John Pinn of Maverick Property Management in Cardiff agreed rents were being pushed down in some areas of the city, mainly in the centre and Cardiff Bay, where there are big new developments.</p> <p>Mr Pinn said: "Where there are new apartments being built every three months, landlords with older properties are struggling."</p> <p>But he said he did not see rents being pushed down across the board.</p> <p><b>Fixed-rate mortgages on offer at below 4 per cent</b></p> <p>Falling interest rates have help make tracker mortgages more attractive to borrowers. They have doubled their share of the mortgage market in the past year and lenders ensure they are not inundated with applications for the products by only offering uncompetitive deals to borrowers with a deposit of at least 25 per cent.</p> <p>But home owners may be tempted to consider fixing their monthly payments with the new deal from Barclays instead as it is the most competitive on the market, according to experts.</p> <p>Barclays, which lends under the Woolwich brand, is offering a one-year fixed rate deal of 3.99 per cent, after which borrowers will switch to a lifetime tracker of 1.99 per cent above the base rate.</p> <p>The mortgage is available to people with a 40 per cent deposit who pay a £995 arrangement fee, although other options are available for people with only a 30 per cent deposit or those who do not want to pay a set up charge.</p> <p>Other lenders have offered one-year fixed rate loans in the past, but none do so at the moment, and the rate is currently the most competitive on the market.</p> <p>But experts warned that borrowers are locked into the deal for three years and will have to pay an early redemption fee of 1 per cent of the amount borrowed if they want to exit it sooner.</p> <p>Barclays also today relaunched its offset tracker mortgages, under which people can use their savings to reduce the interest they pay on their mortgage.</p> <p>It is offering rates of 2.09 per cent above base rate for term for people with a 40 per cent deposit, and 2.49 per cent above it for people with a 30 per cent deposit.</p> <p>The lender has yet to relaunch its other tracker products, which were withdrawn last week. And it has also not yet announced whether it will be reducing its standard variable rate mortgage</p> <p><b>Accidental Landlords Having Second Thoughts</b></p> <p>The term 'accidental landlords' refers to homeowners who turned to letting because they couldn't sell their properties - or didn't want to accept reduced offers - in the subdued housing market.</p> <p>But, according to a report from Cluttons, the trend looks as if it could be drawing to a close, with many of these owners now prepared to price their properties more realistically in order to achieve a sale.</p> <p>According to Cluttons fifteen per cent of accidental landlords across their London offices have placed their properties back on the sales market in the last fortnight. Over the next 2 weeks this is expected to increase by 25 per cent based on the number of sales valuations they are currently receiving.</p> <p>This presents some good opportunities for buyers as there will be a greater supply in London and south easy which combined interest rate cuts</p> <p>James Hyman, Partner for Residential Sales at Cluttons, comments: "Those people who need to sell their homes are realising it is not an option to sit tight and wait for prices to recover.</p> <p>"This is good news for the sales market, which has been stalled in part by the reluctance of sellers to recognise that their homes are worth considerably less than they were a year ago.</p> <p>"Many sellers, who are not in a position to rent their property out in the long term, are now accepting that they are better off selling at current prices, as the market is unlikely to recover to previous heights for some considerable time.</p> <p> </p> <p><b><font face="Arial">Prices of homes dropping at fastest rate since 1952</font></b></p> <p><font face="Arial">Nationwide said prices fell 14.6% over the past 12 months to £158,872, and dropped 1.4% in the month to October - the 12th monthly fall in a row.</font></p> <p><font face="Arial">Economists have predicted that house prices have a lot further to fall. Howard Archer at IHS Global Insight, said: "Faster rising unemployment, major concerns over recession and widespread expectations that house prices will come down further seem set to depress housing market activity and prices for some considerable time to come."</font></p> <p><font face="Arial">Nationwide is the first major lender to report on the state of the market in October and many had hoped that transactions had picked up after the Bank of England cut interest rates by 50 basis points, to 4.5%, earlier in the month.</font></p> <p><font face="Arial">However, analysts said that lower interest rates were not helping free up the mortgage markets. Ed Stansfield, property economist at consultants Capital Economics, said: "We expect the Bank of England will cut interest rates to 1%. With unemployment rising and expectations that house prices have much further to fall still widespread, lower interest rates will not stimulate housing demand. Lower interest rates will also do nothing to loosen mortgage lending criteria."</font></p> <p><font face="Arial">Bank of England mortgage data this week showed that mortgage approvals in September were 67% down on the same month a year ago. Banks and building societies have raised interest rates on mortgages as the credit crunch worsens.</font></p> <p><font face="Arial">Liberal Democrat Treasury spokesman, Lord Oakeshott, said: "British house prices and house builders are being hammered by rising unemployment, as in the 1990s recession. The government must empower councils and housing associations to spend the £8bn affordable housing allocation now on buying unsold homes and land at bargain basement prices."</font></p> <p><b><font face="Arial">Housing slump could be over next year, MPs hear</font></b></p> <p><font face="Arial">The housing market slump could be over as soon as next year if the cost of home loans falls by a further half-point, a leading housing market expert told MPs yesterday.</font></p> <p><font face="Arial">David Miles, chief UK economist at Morgan Stanley, said that if mortgage rates stayed at present levels, house prices would fall by another 5 to 10 per cent and wipe a further £17,000 off the value of an average home before the market bottomed out next year.</font></p> <p><font face="Arial">However, Professor Miles, who previously has advised Gordon Brown said: "If the cost of funding to lenders were to move down half a point, then the 5 to 10 per cent fall could turn into a much smaller number, or not much at all." Professor Miles's comments offered some hope to homeowners of an early end to plummeting prices.</font></p> <p><font face="Arial">His forecast is more optimistic than those of many other economists, who forecast that prices will slide by up to 35 per cent before reaching the bottom.</font></p> <p><font face="Arial">In a separate report, Andrew Clare, Professor of Asset Management at Cass Business School, gave an even more dismal prediction, saying that house prices would slide by 40 per cent and that property values would not rise to 2007 levels again until 2023.</font></p> <p><font face="Arial">Professor Miles's comments came as mortgage lenders reported another dismal month in August, with the number of first-time buyers taking out a home loan plunging to a record low.</font></p> <p><font face="Arial">According to figures from the Council of Mortgage Lenders (CML), only 15,600 mortgages were approved for those climbing on to the housing ladder in August which is down 55 per cent from the same month last year.</font></p> <p><font face="Arial">The housing market is also taking its toll on estate agents, who are struggling to sell one property a week. The average agent made just 11.5 sales in the three months to the end of September, the lowest number since 1978, according to figures from the Royal Institution of Chartered Surveyors.</font></p> <p><font face="Arial">A further decline of 10 per cent in house prices would knock a total of £45,000 off the value of an average home, according to Halifax house price figures, taking the average property price to about £155,000. The average house price peaked at close to £200,000 last August.</font></p> <p><font face="Arial">Professor Miles added that once house prices had fallen to rock bottom, the number of transactions could pick up "quite sharply" as buyers returned to the market.</font></p> <p><font face="Arial">"There is a stand-off in many parts of the country between people who have got a house to sell and people who have got mortgage credit and they cannot agree on a price," he said.</font></p> <p><font face="Arial">Other official figures, which are seen as a less timely measure of conditions in the housing market, showed a further 2.7per cent fall in house prices in August.</font></p> <p><b><font face="Arial">Rental Demand Keeps Rising</font></b></p> <p><font face="Arial">While the credit crunch has made more impact on the third quarter of the year, an increasing number of landlords reported "growing or booming demand", says the Paragon Mortgages Trend.</font></p> <p><font face="Arial">Fifty-one per cent of landlords said rental demands are rising - double the number compared to a year ago, and the highest proportion since the survey first introduced the question back in 2004.</font></p> <p><font face="Arial">And with levels reportedly rising, landlords have become increasingly optimistic about the future of tenant demand. Nearly 58 per cent expect demand to grow from its current level compared to 54 per cent in Q2. Further encouraging signs are the continuing decline in void periods, which averaged 2.6 weeks in Q3 as opposed to 2.7 weeks in the previous quarter.</font></p> <p><font face="Arial">John Heron, Paragon Mortgages managing director, comments: "We are now over a year into the credit crunch and landlords continue to see growing levels of tenant demand, and this doesn't look like tailing off over the coming months.</font></p> <p><font face="Arial">"The private rented sector is playing an important role in providing housing for those people that can't or aren't prepared to get on the housing ladder.</font></p> <p><font face="Arial">"We have seen that the supply of rented properties has increased as people that would have sold their home decide it rent it out instead, but where do those people then go on and live? In most cases, in rented property.</font></p> <p><font face="Arial">"It's important that the PRS's role in the housing mix is recognised by Government and that landlords aren't put off from investing in property through over regulation or an unfavourable tax regime."</font></p> <p><b><font face="Arial">House price fall is smallest in seven months</font></b></p> <p><font face="Arial">The average property price is now £172,108, down from about £200,000 in September last year. This 13.4 per cent annual fall is the largest decline since Halifax's series began in 1983. Prices in the three months to September were 12.4 per cent lower than in the same period last year, which is another record low.</font></p> <p><font face="Arial">Millions of homeowners received a boost yesterday when the Bank of England cut interest rates by half a point to 4.5 per cent. Top of Form</font></p> <p><font face="Arial">Yesterday's rate cut will knock hundreds of pounds off their annual mortgage bill.</font></p> <p><font face="Arial">But some borrowers will have to wait and see if their lender is going to pass on the rate cut by lowering their SVRs. HBOS, Lloyds TSB, Barclays and HSBC all said they were cutting their SVR by half a point, but Nationwide Building Society, Northern Rock and Abbey have yet to make a decision.</font></p> <p><font face="Arial">Some experts said that the fact that the drop in prices in September was the most modest since March indicated that house price falls may be moderating.</font></p> <p><font face="Arial">Martin Ellis, chief economist at the Halifax, said: "The overall price decrease in the three months to September was very similar to that in the previous quarter, indicating that the trend rate of decline may be beginning to stabilise."</font></p> <p><font face="Arial">Capital Economics is forecasting that prices will fall by 35 per cent from their peak in August last year, while property experts in the futures market are betting that prices will fall by 30 per cent.</font></p> <p><font face="Arial">Oliver Gilmartin, senior economist at the Royal Institute of Chartered Surveyors, gave warning that all but the most cash-rich first-time buyers, essential to the health of the housing market, would still find it difficult to secure a mortgage, despite the recent bank bailout.</font></p> <p><font face="Arial">"A return to the lavish days of bank lending based on small deposits is not in the offing, with a sluggish economy likely to raise the incidence of default. Amid this backdrop, conservative loan to value ratios will remain a barrier to many first time buyers," he said.</font></p> <p><font face="Arial">The lack of first-time buyers will act as further drag on house prices as sellers are forced to cut asking prices to secure a sale.</font></p> <p><font face="Arial">House sales have fallen to historically low levels, as buyers struggle to secure homeloans.</font></p> <p><b><font face="Arial">Investors look to property amid market turmoil</font></b></p> <p><font face="Arial">Furthermore Lindsay Cuthill of Savills estate agents received an enquiry from a businessman about purchasing a mews house in Chelsea, who said he felt that his money is safer in property than in the banks.</font></p> <p><font face="Arial">Buyers are struggling in today's market due to the mortgage drought but investors who have ready cash are in a stronger position to negotiate price reductions than those who require a mortgage.</font></p> <p><font face="Arial">Nervous sellers will be happy to reduce the asking price as much as 20% if a buyer has cash, according to Mr Bailey.</font></p> <p><font face="Arial">Furthermore, this group of people are able to sit tight amid the housing market uncertainty until house prices begin to recover.</font></p> <p><font face="Arial">The Halifax reported yesterday that UK house prices experienced a fall of 1.3% in September. According to the Halifax, a further £2,000 has been wiped off the value of an average home, taking the average cost to £172,108, similar to the average price of a UK home in January 2006.</font></p> <p><font face="Arial">Commenting on the figures, Martin Ellis, chief economist at the Halifax, said the price fall in the three months to September was very similar to that in the previous quarter, suggesting that the trend rate of decline may be beginning to stabilise.</font></p> <p><font face="Arial">However, he added that conditions will still remain challenging in the market due to the reduction in the availability of home loans.</font></p> <p><b><font face="Arial">Landlords: Watch Out For This £200 Fine!</font></b></p> <p><font face="Arial">Energy Performance Certificates (EPCs) detailing the energy efficiency of a property become compulsory on rented property from 1st October . An EPC is currently valid for 10 years and can be reused as many times as required within that period.</font></p> <p><font face="Arial">Landlords do not have to commission a new EPC each time a new tenancy starts but they are required to give a copy of the latest EPC to new tenants.</font></p> <p><font face="Arial">The bad news Any landlords renting out a property must provide prospective tenants with one of these EPCs or face a fine of £200 and be unable to market or rent out their property..</font></p> <p><font face="Arial">The good news Over a quarter of landlords (27%) surveyed by Paragon Mortgages said they are planning to obtain an EPC before the 1st October deadline.</font></p> <p><font face="Arial">EPC offer landlords an advantage over their peers that have less energy efficient properties. Landlords with the most energy efficient homes could result in more interest from tenants. Those whose properties rate badly could face a lack of interested tenants and subsequent fall in rental income.</font></p> <p><font face="Arial">The EPC not only provides details of the energy efficiency and the properties environmental impact, it also provides estimated running costs, information which will now factor in tenants' decision making process, and could be used as a bargaining tool if the home has received a poor rating.</font></p> <p><font face="Arial">In other words, if your property is energy-efficient, an EPC could give you an advantage over other landlords.</font></p> <p><font face="Arial">What is the point of an EPC?</font></p> <p><font face="Arial">While measures which could be taken to improve the property's energy efficiency and environmental impact rating are highlighted in the certificate, landlords are not obliged to make any of the changes suggested on the EPC.</font></p> <p><font face="Arial">How much does an EPC cost?</font></p> <p><font face="Arial">This can vary - the Nationwide subsidiary The Mortgage Works announced last week that it is offering free EPCs to landlords to help them comply with legislation.</font></p> <p><font face="Arial">The Lender, in conjunction with Energy Reports and Surveys Limited, will offer landlords who are remortgaging on selected products a free energy performance certificate (EPC). The package also includes free legal fees and a free valuation.</font></p> <p><font face="Arial">The National Landlords Association will provide landlords with EPCs for £69 including VAT per certificate.</font></p> <p><font face="Arial">And Paragon Mortgages, which is offering the certificates for £85 each, has produced an interactive guide for landlords on EPCs: 'The Landlords' Guide to EPCs'.</font></p> <p><font face="Arial">Wait and see</font></p> <p><font face="Arial">Like the majority of landlords, you may intend to wait until your existing tenant leaves before you get an EPC however you may not be allowed to market your property. The only way to be in a position to move quickly is to have the EPC already in place. And remember the £200 fine can be issued an unlimited number of times, not just once.</font></p> <p><font face="Arial">Risky and reckless</font></p> <p><font face="Arial">Finally, Paragon Mortgages' survey also noted that with just one week to go, 81% of landlords hadn't obtained an EPC for any of their rental properties, with only 5% having obtained the certificates for all of the properties in their portfolio. The National Landlords Association (NLA) has said that the total amount of fines for UK landlords could exceed £500m.</font></p> <p><font face="Arial">A further 8% of landlords are prepared to take the risk and wait until an enforcement officer contacts them before obtaining the EPC, and a reckless 11% of respondents said they had no intention of obtaining an EPC for any of their properties.</font></p> <p><font face="Arial">Getting a good rating with low running costs will make your property stand out to cash-strapped tenants and that could mean the difference between letting the property quickly or facing a lengthy void period. In other words, the certificate could pay for itself.</font></p> <p> </p> <p><font size="4" face="Arial">Independent Estate Agent and Letting Agent Leeds Morfitt Shaw</font></p> <p><font size="4" face="Arial">Manning Stainton</font></p> <p><font size="4" face="Arial">Alan Cooke</font></p> <h1><font face="Arial" size="4">Linley & Simpson</font></h1> <h1><font face="Arial" size="4">Hendys</font></h1> <h1><font face="Arial" size="4">Jump Estate Agent</font></h1> <h1><font face="Arial" size="4">Dacres</font></h1> <h1><font face="Arial" size="4">Dacres Son & Hartley</font></h1> <h1><font face="Arial" size="4">Castlehill</font></h1> <h1><font face="Arial" size="4">David Moor</font></h1> <h1><font face="Arial" size="4">Walker Smale</font></h1> <h1><font face="Arial" size="4">Street Lane properties</font></h1> <h1><font face="Arial" size="4">Park Lane properties</font></h1> <h1><font face="Arial" size="4">Shaftesbury Avenue properties</font></h1> <h1><font face="Arial" size="4">Devonshire Avenue properties</font></h1> <h1><font face="Arial" size="4">Roundhay properties</font></h1> <h1><font face="Arial" size="4">Selectahome</font></h1> <h1><font face="Arial" size="4">Streets Ahead</font></h1> <p><font face="Arial"><img border="0" src="content/generalimages/morfitt_shaw_shop_front.jpg" width="238" height="179" alt="estate agent leeds letting agent leeds morfitt shaw manning stainton alan cooke"></font></p> <p><font face="Arial">80 Street Lane, Roundhay, Leeds, LS8 2AL</font></p> <p><font face="Arial">Tel: 0113 393 0113    Fax: 0870 220 3169</font></p> <p><font face="Arial">info@morfittshaw.co.uk</font></p> <p><font face="Arial"><b>Estate agent</b> covering North Leeds, Shadwell, Scarcroft, Harewood, Thorner and other villages around Leeds. If you are looking for a home in Leeds, you can search our Leeds property database to find the house you want. You can also register on our Leeds mailing list to receive instant email alerts of houses that meet your specifications. We also provide letting  services for landlords and tenants throughout the Leeds area. Manning <font size="3"> Stainton Alan Cooke Linley & Simpson Hendys Jump <i> Estate Agent</i> Dacres Dacre Son & Hartley Castlehill David Moor Walker Smale Street Lane properties Park Lane properties Shaftesbury Avenue properties Devonshire Avenue properties Roundhay properties Selectahome Streets Ahead. </font> </font></p> <p><font face="Arial">As one of the largest estate agencies in Leeds, we aim to offer a level of service and value beyond that offered by our competitors. </font></p> <p><b><font face="Arial">Some of the recent properties we have handled are shown below:</font></b></p> <table> <col width="208" style="mso-width-source:userset;mso-width-alt:8874;width:156pt"> <tr height="17" style="height:12.75pt"> <td height="17" class="xl24" width="208" style="height:12.75pt;width:156pt"><a href="http://www.morfittshaw.co.uk/681.htm"><font face="Arial">www.morfittshaw.co.uk/681.htm</font></a></td> 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