Jamie Murray
Jamie Murray
2023-01-28
Quality fast and reliable service with a cracking bunch of lads definitely recommended
Bill Mitchell
Bill Mitchell
2021-09-14
Contracted this company to clear the flat of my deceased mother. Two young guys cleared EVERYTHING out of the rented property, including furniture, carpets, ornaments, white goods and food/household products, politely, efficiently, and respectfully. Excellent service.
Charles winter
Charles winter
2021-05-21
The guys from Northern House Clearance have just cleared a house for me in Scotland. The house was packed not only with a lifetimes worth of memories, but all the clutter that goes with it. Within 2 days it was emptied down to the floorboards. A great job from a good team of lads. Highly recommended.
Graeme hatton
Graeme hatton
2021-02-24
An excellent 5 star service. Firstly the compassion shown due to the circumstances which resulted in having to use their services, not just on the phone but by the team who arrived, on time, to perform the job. Above all a friendly attitude goes a long way in stressful times. Professional from the start to the end of the day and due to the amount of clutter a second day was needed. I could not believe how much was cleared in just one day, it was as if the clutter had it's own clutter to clear. Hope that I never need to use them again, but if I have to clear another property they will be the only people that I call. Highly recommend them. G.Hatton. Cheshire.
Lorna Hamilton
Lorna Hamilton
2021-02-05
Fantastic service. Highly recommend. The team was so helpful.
Richard Foster
Richard Foster
2020-11-26
The guys from Northern house clearing cleared my deceased brothers house which was in a state. They were very discrete and great guys very understanding at such a sad time. Great job guys thank you.
Xiu Yun Chen
Xiu Yun Chen
2020-11-25
This is a good company would highly recommend these guys. Very efficent and helpful.
Laura
Laura
2020-11-05
Highly recommended. From my initial enquiry I found them to be efficient and professional and was given an immediate quote. On the day the guys arrived promptly and were friendly, helpful and thorough. I would not hesitate to use this company again and I would recommend to others. I felt in good hands and I, m very happy with the service I received.
Ruth Lawrence
Ruth Lawrence
2020-08-22
The team arrived bang on time and began work immediately. They continued for five solid days and completed the entire clearance of my late uncles house, which was a case of extreme hoarding over many decades. They even removed carpets, curtains and swept up so the house was ready for sale. They were exeptionally hard working, polite and charged a reasonable price for this incredibly difficult job. Terrific service, absolutely recommended.
Online Antique Appraisals And Valuation

For those NOT requiring a full house contents valuations,
we suggest you use The Antique Appraisal Company.

All valuations are conducted in accordance with HMRC guidelines and fully guaranteed against rejection.

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Probate Valuation UK: Pension or Property

Despite the tax relief benefits many people today are exchanging their traditional pension for property. Is investing property a better way to save for your retirement, should you be using your normal pension contributions to pay a mortgage on a buy to let property?

Since the dot com crash in 2000 there has been very little positive press about the pensions industry, and while the stock markets still have a long way to go to get back to 2000 levels it will be some time before people see their pension funds getting back to their original highs. Then to cap it all after the collapse of Equitable Life one of the UK’s largest pensions companies, many people doubt that owning a pension policy is the rock solid investment that it has often been portrayed to be.

Alternatives

If you’re a firm believer in the stock market over the long haul then one very good alternative to a pension is the Individual Savings Account (ISA), an ISA can prove to be more flexible than a normal pension, seek advice from a financial consultant who will be able to look at your circumstances and advise you.

If the stock market crash has left you with nagging doubts about using the stock market as a safe investment vehicle for your retirement you may well have thought about property. There has been a significant increase in the number of people investing in buy to let properties.

Buy to Let

Having a rental property in your retirement can be very attractive and in the right circumstances can have several key advantages over a traditional pension. One advantage that is very evident is the fact that it gives greater control of the investment. A traditional pension can be quite inflexible, you pay a sum of money every month for your working life and a series of investment managers decide on the best place to put your money, if they get it right you get a nice sum for your retirement, if they get it wrong or the world’s stock market nose dive your retirement may not quite live up to expectations.

With property the investor can choose many of the criteria that will ultimately be the deciding factor in how good an investment is, you can choose the location of the property, the type of property and the market it is aimed at, young professionals, students, or families. With power comes responsibility and some people will relish this opportunity while others would rather not try to guess where the next up and coming area is or whether terraced 2 bed or 3 bed flat is better.

The next advantage is the ability to release the capital more freely (subject to taxes). A pension can only be used to buy one product an annuity. In some cases this may not be ideal. An annuity is designed to provide you with a regular income for the rest of your retirement, now if you come from a family who live well into their 80s, you have excellent health and are planning to retire at 55 the sum of money you will require for an annuity may well be beyond your reach. Also one big potential glitch with an annuity it will stop paying when the last person on the annuity dies, a rental income on a property would continue. If a big consideration in your financial planning is to pass wealth down through your family then a property could be ideal.

Tax

Pensions are tax free, property isn’t, and careful financial planning is paramount to good property investment. You will need t pay stamp duty on the property when you purchase it, then you will have to pay income tax against the income that it generates minus your expenses. You will also run into capital gains taxes when you come to sell the property. Discuss you property investment plans with a tax consultant before you make any decisions so that he is able to advise you about the most tax effective method of purchase and management in your circumstances.

The Risks

Property is not without it’s own set of risk, today the property market remains strong but history does seem to dictate that as with stock market shares a warning should be on the bottom of every property that states “Your investment in this property can go down as well as up” who knows what the next 10-20 years holds for the property market.. Even if the property market stays rock solid and continues to out pace the stock market, it’s always remembering that there will be individual exceptions, a simple change in the local geography of your chosen property can have a dramatic effect on property prices for better or worse. Your investment property will not only be affected by national house market trends but also by micro trends within your chosen location.

Research is a key factor however that said it’s as difficult to research property 10 years ahead as it is the stock market.

Pension or Property?

A property may well be a better investment in your individual circumstance and as people become more investment literate and demand individual investment control property is ideal for self management. Finally buying lots of baskets for your eggs is never a bad thing, use all of the investment tools at your disposal, property, ISA’s. pensions etc. Doing it yourself is appealing but don’t leave out professional advice, markets are always changing and the advice of an authorised financial consultant will prove invaluable.

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Online Antique Appraisals And Valuation

For those NOT requiring a full house contents valuations,
we suggest you use The Antique Appraisal Company.

All valuations are conducted in accordance with HMRC guidelines and fully guaranteed against rejection.

Start Your Probate Valuation Now - Online Probate Valuations