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Entries in November 2007
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What madness? This madness...
House prices alert after biggest fall for 12 years [Telegraph]
Biggest drop in house prices for 12 years [Guardian]
Analysis: dire data [Times]
UK house prices see sharp tumble [BBC]
House prices decline for fastest rate in over a decade [House Move]
Shock fall in house prices [Express]
and
Is the roof falling in on the housing market? [Independent]
Now, the Rat and Mouse isn't going to claim the housing market is pointing in the same direction it was pointing this time last year. Nor am I trying to sweep under the carpet the terrible lending data that accompanied the Nationwide figures. But to make out that yesterday's Nationwide numbers are in any way a reliable indicator that something dramatic has just happened, signaling the tipping point, the very moment when the UK housing market fell off its perch, is not only nonsense, it's surely willful mischief on behalf of the media. They know, I know, you know, that the November drop of 0.8% - the "biggest drop in house prices in 12 years" - came after a rise, in October, of 1.1%. Clearly, October's rise was an anomaly (it arrived in the midst of other data that was all pointing to slight falls); and because of that a dramatic, corrective drop was almost inevitable for November. Taken alongside October's figure, November's 0.8% fall still leaves the market 0.3% up on September.
Don't get me wrong. I'm not buying UK property futures. All I'm saying is... let's not throw out our brains for the sake of a headline. Mix yourself a Marge, and have a cool weekend.
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More in this Category - House prices
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He's called Malcolm Green, of Greenfields in Hampstead; but - according to prosecutors at Snaresbrook Crown Court - you might know him as Malcolm "Ferdinand" Green or Malcolm "de Villiers" Green (or, and who knows, if he was feeling very grand as he slipped into his topper and spats and clamped down on a monocle, Malcolm Ferdinand de Villiers Green). Really, he's Malcolm Alan Green, and he faces charges of conspiracy, theft and dishonest money transfer. He's accused of conning a schizophrenic customer into investing in bogus property developments, stealing jewelry and rare stamps from the man, and transferring share certificates into his own name. Not nice... but, this is important and we can't stress it enough, he's denying all charges and hasn't been convicted. There's also a little confusion regarding his school days. He claims to have attended Highgate School, but the school has no record of him as a pupil. Furthermore, there's the little matter of an international arrest warrant following a failure to turn up to court previously.
He said: “I fell from a horse and broke my femur while in Cannes. I was in hospital for 17 days and then I went to Switzerland for rehabilitation."
And it's for the pure quality of that line that the Rat and Mouse has decided to honour Mr Green with this award.
Technorati Tags: estate agents, real estate agents
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That's I Lick My Cheese and Other Notes: From the Frontline of Flatsharing, a book by Oonagh O'Hagan. More than 120 notes left by one flatmate to another. What a great idea. I can remember sharing a busy house in W6 with a group of medical students, trainee lawyers and others. One girl was obsessed with yellow post-it notes and would leave them everywhere. But she favoured single-word messages, like (attached to the cutlery drawer in the dishwasher) "Up!!", meaning prongs, blades etc should be pointing up; or (attached to the central heating thermostat) "Down!!", which is obvious. My favourite: (attached to the hot tap in bathtub) "Pubes!!", meaning wash them away after having a bath. Lovely. But it could be a little embarrassing having guests around.
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"Ideally, I'd like a house on the green, near the theatre. It's just such an awesome place to hang out."
The rumour is that she's planning a permanent move to London, and that she's fixated on Richmond. The Rat and Mouse has made some tentative enquiries on her behalf, and finds that the options are very limited. She could just choose any house, grab the owners by the hair and hurl them howling into the night. A more conventional route, via Knight Frank, reveals this, not too far away from the awesomeness of The Green. It's currently three apartments, but it could easily be returned to its original and grand period shape. It's listed at £5m. Otherwise... agents... the ball's in your court.
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It's a 0.8% drop... the biggest monthly tumble since June 1995. The annual inflation figure now rests at 6.9%, down from 9.7% a month ago. Now - although there's little doubt the UK property market is cooling, and rapidly - it's important to remember that it was Nationwide who posted last month's shock rise. That October figure - a rise, against all other indices and indicators, of 1.1% - not only looks more than ever like a statistical blip, but also goes some way to explain the size of this month's fall. Nationwide's three-month inflation figure shows a softening, from 1.8% to 1.5%.
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More in this Category - House prices
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"When Damien Hirst created his diamond-covered skull, one of our clients asked for the doorknobs of their new house to be similarly bejewelled. We used Swarovski crystals – at a cost of £257 for each knob. But for their favourite rooms, the master bedroom and reception, we created two knobs each studded with 4,328 diamonds, and costing £20,000 for each knob."
That's QuintessentiallyEstates' Lucy Russell talking to the Independent, about her work with extravagant knobs. The thrust of the piece is... if things are turning bad in the London property market... nobody's told the super-loaded.
"Another client requested a bright orange Cinderella pumpkin bed for her daughter. It cost £80,000," continues Russell.
So what? When I was a nipper I slept in a little bed made to look like a hat. Actually, it was a hat. I started in a bowler... got my first real bed when I grew out of the stetson. The real point here is that the top end of the market - the end catered for by these search agents and interior designers - obeys different rules. These properties are so different, and at this £25m+ sector so rare, that they're part art, part property.
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According to Global Insight - yes. They predict three rate cuts in the way. Before you bust a vessel, remember that the the rules of the rates have changed. If the Bank of England said "jump off a cliff", it doesn't mean Nationwide is going to do it...
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A greater fall - no less - than any other region, totaling 0.6% for the month. It didn't, however, cancel out the previous month's rise, and overall the national figure was a small gain of 0.1%.
Meanwhile, beleaguered vendors might want to turn to MoneyWeek and its essential four-point guide to shifting your home. Er... tidy up, don't waste your time with DIY, drop the price and choose your estate agent carefully. Obviously, a year ago, we were all blithely picking estate agents with a dice, raising the lounge floor with decking, leaving our unwashed pants on the stairs and adding £20,000 to a sensible asking price. Actually, we were doing that last one...
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More in this Category - House prices
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According to market research group Mintel borrowers coming to the end of their fixed rate deals have more to worry about than the simple difference between their old, generous deals and the interest rate rises that have occurred since. The banks are - they say - re-categorising... and in the most conservative way. More people will find themselves labeled "non-standard" or "complex prime", which means not sub-prime, darling, but certainly sub-optimal. These people (self-employed, anyone who's had trouble with household bills) will find themselves on the hard end of interest rate rises as lenders re-price with their attention on securing their positions rather than the latest Bank of England meeting. More, courtesy of the Times, here.
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The proposed expansion of Pinewood Studios, as well as being big news for British filmmakers, will include residential space, too. The Independent claims as many as 2,250 new homes are included in the plan to expand the historic site. And when I say included...
The new development would double the size of the existing studio. It also calls for living and working spaces to overlap so that residents would, for example, live in a building with the facade of a Venetian palazzo that could be used for filming.
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... there's some great news for landlords. According to Association of Residential Letting Agents Data, tenant levels are at a five year high, driven by high(er) interest rates, a softening in the sales market and immigration. In the south-east, 57% describe seeing demand outstripping supply.
And (younger) landlords will be pleased to read that the UK population is predicted to double by 2081. These new Government figures combine longevity, fertility and immigration projections to paint a rosy picture for owners of flats in south-west London. More here.
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The latest research also reveals that only 8% prefer coffee, and that British builders drink 3m cups of tea a day. More here.
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Nestoria has cleverly linked its live search data to a GoogleMap. The result? You can sit back and watch what's being searched, live. Perfect for the property addict who's so far gone their bodies have developed a resistance to Channel 4's televised output and so needs something pure and uncut to stare at. Watch it, here; but remember to blink once in a while.
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More in this Category - Property online
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Home Truths London is the name of a report by the Housing Federation (an organisation representing non-profit housing associations), and - with the media largely panicking about a potential downturn in the market - further emphasises where the pain is in the London market. (A clue: it's not where a 5% or even 10% downturn would make any substantive difference.) Some facts:
- in a quarter of London boroughs, a first-time buyer would need to be earning more than £100,000 to by an average priced home.
- The number of people on the waiting list for social housing has risen by 57% in five years (to 330,000).
- In Barking & Dagenham, the rise has been 150%.
More here.
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More in this Category - House prices
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First [via Renthusiast], Extate appears to have become DotHomes. Sensible?... asks Renthusiast. Yeah. I reckon.
And - fresh from the blog that is all things Nestoria - now it's easy for anybody to use the Nestoria data to show average house prices for a particular area. Each Nestoria search offers you a simple cut-out-and-post widget, which you can embed into your blog.
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More in this Category - Property online
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... claims Rosie Millard, writing in the Sunday Times. Avaricious... property obsessed... aren't we all "ghastly", she comments. I'm still trying to fathom the logical narrative of the piece, which starts as an attack on agents, turns swiftly into a defence, and then ends in an attack on everybody for their boring property fixation. And then it's signed off by Rosie Millard, who traded in a career discussing the arts for one writing about letting and debt. Help me, I'm lost.
Technorati Tags: estate agents, Foxton's, Foxtons, property, real estate, real estate agents
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It's a 0.2% fall for November, the second monthly fall, leaving the annual house price inflation rate at just 3.6%. And this is a London thing, too... with falls as significant as 0.5% recorded in central London. More here.
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It would appear so. Last month they were predicting a 2% fall in house prices in 2008. Now, the figure's -7%... considerably higher than any non-tradeable forecasts, even the traditionally nutty Capital Economics, who are sticking with -3%. Is this a question of wise traders putting their money where their mouths are? Or wiser investors finding a hedge?
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Yesterday's announcement that HIPs are to be rolled out to one and two-bedroom properties from December 14 has been received with disappointment by the Royal Institution of Chartered Surveyors, who see the move as another blow to long-suffering first-time buyers. The Rat and Mouse has always been a little skeptical about the view that a £300-£500 HIPs fee would deter a homeowner from putting a £500,000 property - even speculatively - onto the market. But at this end - the ftb end - things could well be different. Especially when combined with a fear that prices might be sliding... For all the Rat and Mouse's HIPs coverage so far, go here.
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The Guardian has been going through the Northern Rocks books, and what's been uncovered casts serious doubt on the bank's ability to survive and the security of tax-payers' money. It appears that 70% of its mortgage portfolio is owned by a Jersey trust. What's more, the details of Northern Rock's lending is an eye-opener... loans on 90% or more of property value soaring from £2.7bn to £16bn in three years... 2,500 mortgages in which loans exceed property value. The bank is highly vulnerable to a slide in property prices. All in all, sobering reading.
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The Rat and Mouse comes to you live from office floor today. Yesterday, I was poleaxed by a slipped disc. It's just fortunate the Rat and Mouse central offices have a full typing pool today, so I can at least dictate copy from the lush and expensive carpet.
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"... what they really, really want," says Rosalind Russell, writing in the Telegraph. And it's the basics... with that old chestnut - location - right at the top. Everybody wants to be near a tube, near decent shops, near a decent school, near a useful outdoors space. Fancy shmancy lighting, hot tubs or wet rooms are considered - according to research by Hamptons - a total waste of money. And, interestingly (in the wake of EPCs), energy efficiency measure were ranked the most irrelevant feature of all to buyers.
Ah... wonders the Rat and Mouse... but did Hamptons mention outdoor wallpaper? I bet they didn't, and it's got you intrigued, hasn't it? It's not strictly wallpaper (unless you're prepared to stretch your definition to something made out of metal), but it's decorative, it goes outside, and it takes its design cues from conventional wallpaper. It's by Susan Bradley, costs from £220 per sheet, and it looks intriguing. [via trendir]
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I appear to have missed a corking Property Ladder. It sounds as if Sarah Beeny suffered another hour of frustration as her clients blew sacks of cash on an ill-advised (and in this case possible dangerous) project, involving supporting a Chiswick home on stilts while the basement was dug out to make more room. Over at the 4homes forum, there's s a little investigation taking place - aided by 4homes editor Lucy Searle - into whether the developer has had any offers. The house is here.
And a hearty welcome to Housing Rubble, a brand new blog about the vagaries and illogicalities of the UK housing market. No shortage of material there.
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More in this Category - Property TV
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Marcel Berlins - writing in the Guardian - asks whether the tenants of 50 Irvine Drive in Margate ought to receive compensation for the inconvenience suffered while police dig up their home to retrieve dead girls. Thank God, he says, they're tenants rather than homeowners. A macabre event rarely enhances the value of a property. Apparently, agents report finding the attic flat at 23 Cranley Gardens in Muswell Hill (eeew) hard to shift. But the fact is that psychopathic killers rarely own their own homes. Christie, Crippen, Nilsen... all renters. Presumably, killing and dismembering is one thing, risking a kicking in the housing market if you get caught is quite another. Only Fred West was a proud homeowner... but then he need to be in order to facilitate an ambitious schedule of home improvements tailor-made for the serious, prosumer psychopath.
Real estate stigma [August 7, 2006]
"If a celebrity dies in your house, that's a landmark..." [May 16, 2006]
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Exactly. From here.
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It's a standard bear-line... City bonuses will be down, and so house prices will be down. Another standard bear-line... want to know how bad it's going to be here? Look to the States. The Rat and Mouse looks to Curbed. New York's brilliant property blog, and reads:
Apparently, Wall Street bonuses this year are expected to be a record $38bn.
[via Curbed]
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Phil Spencer - advising the Telegraph - suggests holding off until February or March unless you really need to sell in a hurry. Prices - he believes - will stabilise in 2008. Right now - however - buyers are ultra-cocky and ultra-aggressive, and they'll try to force you to compromise on the price. Read more here.
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More in this Category - House prices
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Shares have fallen by 40% this morning, and the company is said to be considering emergency rights to fill a gap while it continues to finalise refinancing. Meanwhile, dividends have been scrapped, and the future - judging by the this from CityWire - looks less than rosy:
Underwriting the share issue has been agreed in 'principle' with UBS but Paragon said that it remained conditional on a number of factors which 'may cast significant doubt on the group's ability to continue as a going concern'.
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So far, 124 bids have pushed the price up to $3.5m. The auction closes on November 23 at 11.02 (Pacific). Learn more about Albert, Texas, here. The ebay listing's here. Meet the neighbours here:
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According to a survey by Savills, the following addresses are potential candidates for future primeness. The important driver is an influx of professionals combined with nice existing stock, preferably Victorian or Edwardian homes. The advantages to being "prime"? If you've been reading the Rat and Mouse at all over the last few years you'll know that prime London tends to outgrow the rest of London, indeed the rest of the UK. So here goes:
- Tooting ("the new Notting Hill")
- White City
- East Acton
- Tulse Hill
- Camberwell
- Fortis Green
- Finchley
- Brondesbury
- Willesden Green
- Cricklewood
[via the Times]
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R House Estate Agents welcomes to the market this detached Victorian style DOLLS HOUSE, the House comprises of 3 Bedrooms, Lounge, Diner, Study, Kitchen, Scullery, Bathroom, Basement patio garden and servant's entrance. The property has stained wooden floors and fully working electric lights with suitable transformer supplied. It is sold complete with all furniture and furnishings including some hand made carpets. Viewing strictly by appointments.
£1,500 buys you a three bedroom detached doll's house in Cornwall. The agents - R House - have done a fine job of integrating it into their more conventional sales, including full particulars... the room dimensions listed in inches.
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Only in London:
The price of £18m may seem a lot for a maisonette, but it is a third less than an equivalent home would cost on Chester or Belgrave Squares.
It's the Sunday Times on the subject of Bayswater. Jimmy Choos in. Claudia Schiffer in. Ilaria Bulgari in. Sally Croker-Poole, who? The point of the piece is that Bayswater prices have risen 40% since January - which would have made for some happy hookers if they didn't all rent - and estate agents concur that what we're seeing is a long-awaited gentrification. It is - in the words of search agent Robert Bailey - "becoming sexy".
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It's reporting a 0.7% fall in the month to November 10. Remember, Rightmove bases its figures on asking prices, and this month's report comes after last month's dramatic 2.6% drop. It's pretty clear that vendors are low in confidence. Rightmove joins Nationwide in predicting flat house prices in 2008. More here.
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Answer: Richard Rogers. At least, here in this fascinating tale of Lucy Musgrave and Zad Rogers' two-storey glass cube in Shoreditch, built on top of a friend's warehouse conversion, and accessed via a bridge from an adjoining building. Quite a project? No shit. But then, Musgrave is a founder of the General Public Agency and Rogers is, well, son of uber-architect Richard Rogers, who apparently helped with the design. Rat and Mouse readers with long memories (or who have discovered the "search" box) may be reminded of the cool Wimbledon Zip-Up House, currently occupied by Zad's brother Ab. Those lucky Rogers' kids. Apart from their names, obviously.
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According to this interesting piece in the Times London's tall, thin homes are a problem for wealthy Arabs and Russians, who are more used to lots of ground floor space. Which is why the smart vendors are adding lifts, and - in the view of a W.A. Ellis agent - an extra 10% to the value of their homes.
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It's called betternest.co.uk, and it might appeal to anybody with second thoughts about moving in the current slightly unstable market. A kind of off-the-peg design service, it investigates any planning issues related to your address, examines photographs and floor plans, and then returns a report suggesting ways to maximise the value of your home - by adding an extra bedroom, or bathroom, or extending the kitchen - without needing planning permission. The report combines local property price information with the cost of suggested works, to come up with an overall profit figure. Obviously, we're talking ball parks... especially in the current market climate. But betternest's both clever and useful.
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Angel Cottage (2a Windmill Lane) stood on the corner of Windmill Lane and Angel Lane, it was built in 1826... when Stratford was a rural area not yet connected to London by rail. It was destroyed over the weekend. Nobody - as yet - knows who was responsible. English Heritage have advised Newham Council to hand the matter over to the police.
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This time, from the Council Of Mortgage Lenders, and figures showing a sharp reversal in lending between August and September. CLM chief Michael Coogan lays the blame directly at the door of interest rates, expressing disappointment that the Bank of England didn't take the opportunity to cut rates last Thursday, and pointing out the effect on first-time buyers. Affordability was down - with the average ftb spending 20.4% of monthly income on repayments, the highest proportion since 1991. It will be a while before gently sliding house prices do anything to ease the discomfort for ftbs.
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The answer, if rumours are to be believed, is Kate Moss-messy. The story goes that Love failed to make an offer on Moss's north London home because the house was just too much of a tip... scratched wooden floors, depressing colours, old plugs. The Rat and Mouse never understands this mentality... you're buying a house not a life. Buy, then redecorate. But Love apparently didn't think it was worth the effort or the money, even after Moss offered to throw in a valuable painting of Sid Vicious hanging in the bathroom. What's she been doing in there?
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... and even huger thanks to those who emailed pointing out the lack of R&M (some even offering to help). I honestly - and I really mean honestly - had no idea you cared.
We were down for almost 24 hours, thanks to the shock waves of yesterday's RICS figures causing actual, physical damage to the Rat and Mouse server. Our hosts battled valiantly to limit the carnage, but it was extensive. We're taking new measures - just in case of an actual prolonged property price downturn or, God forbid, a crash - including the introduction of panic-retardent enclosures and anti-negative equity chipsets.
Thanks - in all seriousness - to the prolonged and skillful efforts of our brilliant hosts for getting us back up and running.
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Thanks to the Rat and Mouse readers who emailed me about this. We're experiencing problems with our "comments" facility. We're working on it. In the meantime, feel free to email.
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The new RICS house price index shows another fall... except for us. London is the only region in England and Wales that isn't showing southerly motion in the house price department. The RICS blame high interest rates (they're higher, but are they really high?) and unaffordable property (okay), and claim that it's only a shortage of supply that's propping up the market. The details of the RICS's rather tortuous methodology... 22.2% more surveyors/agents (the people, in other words, who help the market set prices) said they'd seen a fall rather than a rise.
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Did you know that a fifth of London's workforce work in the financial sector? I didn't. Last year, 62% of end-of-year bonuses went into the property market. According to Savills' Yolande Barnes, this year that figure is forecast to be just 30%, as City people tighten their Prada belts for tough times ahead. What's more, vendors are accepting offers. More here.
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Telegraph call a cooling, and offer ten tactics for avoid falling house price pain, including looking for flats "with a difference" to avoid the value slide almost sure to hit the ranks of unsold identi-flats and list your home in the small ads to cut out the agent. Interesting, London-specific advice includes:
5. Watch for the £1m London house slide
Apparently the £1m to £3m house sector is likely to be hit the hardest, coming off record returns in the last year, has furthest to fall. This, from a Knight Frank agent:
"Six weeks ago I could sell a good house 20 times over. Now there is double the number to sell, but the phones have stopped ringing"
And this:
10. Buy in the comfort zone
Knight Frank says the strongest part of the London market is likely to be in the £500,000 to £750,000 bracket, fuelled by later first-timers trying to get a foot on the ladder.
A £750,000 comfort zone fuelled by ftbs. Only in London... Read it all here.
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Rumours that Johnny Depp was about to buy in Norfolk proved to be pretty much off the mark, with news that he's forked out for a Victorian hunting lodge in...er... Somerset. The home cost £1.3m, but he's apparently spending a further £2.5m in improvements... the swimming pool, tennis courts, helipad type of improvements.
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An interesting piece in the Economist takes a closer look at the costs associated with obscene wealth and a London lifestyle. Lifestyle inflation, just like house price inflation, is greater at the top, according to the Stonehage "Affluent London Living Index". Caviar is up 28% in the year to July, Range Rovers are up 20%, a box at Chelsea is up 25% and the vintage wine market is booming. But it's not all bad news for the plutocrat and lifepartner:
Breast implants for the high-earning woman are down 10%.
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£1,245,000? It's clearly neither here nor there when it comes to top London property. So it's here, in an interesting Telegraph piece about a Highbury Place mansion, over five floors, and with a separate converted coach house and 19 garages (currently let out and bringing in £20,000 a year... not far off what the current owner paid for the entire property back in the 1960s). According to the Telegraph, the guide price is £5.95m. But it's not there... in the Savills particulars, which list the property at £4.75m.
[One theory - I notice that the particulars make no mention of the garages. Have the owners decided not to part with a valuable going concern? Or are they being sold separately?]
The property's beautiful, and with an interesting history. Neighbours included Neville Chamberlain's dad, and the Rolling Stones apparently recorded in the basement.
For sale: the best view in London? [November 7, 2007]
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No movement. Base rates remain at 5.75%.
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First, Zoomf announce visual search... a tasty alternative to entering a postcode or street name. Now, you can draw the areas that interest you directly onto the map. It comes as part of a colourful redesign that's keeping Zoomf fun and fresh. Meanwhile Nestoria have teamed up with Sportsbase to add sports information to their listings. If living close to a pitch, court or club is as important to you as living close to a tube station or school, Nestoria have the tools to make it happen. Don't expect this kind of innovation or responsiveness from the larger portals.
Technorati Tags: Web, Web2, web2.0
More in this Category - Property online
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Crawley MP Laura Moffett is apparently renting a London flat (and claiming £20,000 in expenses), despite living just 40 minutes away, because she's been flashed once too many times on the train. Obviously, this is threatening behaviour, and once is once too many, but Moffett appears to be suggesting that seeing penises has become a regular problem on the London to Brighton line. How she copes on the Labour benches is anybody's guess.
[via The Argus, photo by skuds]
Technorati Tags: London, property, real estate
More in this Category - _Other
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... it's "a rich man's game". That's according to the Royal Institution of Chartered Surveyors, who point out the need to put down increased deposits and higher interest rates. The average deposit now stands at £65,000, up by a multiple of more than five since 2002.
[via Daily Mail]
Technorati Tags: property, real estate
More in this Category - Letting
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It's a fall of 0.5% on the month, leaving the annual inflation figure at 8.9%. This, after the 1.1% rise shown in the Nationwide's figures. Is it enough to encourage a cut in interest rates? The Rat and Mouse doubts it... but we'll know for sure shortly.
Technorati Tags: property, real estate
More in this Category - House prices
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Cadogan Tate's "party move" service is designed to take the risk out of your big Christmas party. It's a kind of temporary, small-scale removal... they'll come in and take off with anything - delicate furniture or valuable artwork - you don't want lying around. They'll store it until after the party, and then return it after your hangover's cleared. Perfect. Cadogan Tate are here.
Technorati Tags: property, real estate
More in this Category - _Other
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93 Albert Embankment, SE1. Three beds, three baths, on the ninth floor, with views over the Houses of Parliament and the Tate. With Fine & Country, guide price: £3.55m.
Technorati Tags: London, property, real estate
More in this Category - For sale
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More in this Category - Linkage
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How many ways can an estate agent say "I quit"?
Technorati Tags: estate agents, Foxton's, Foxtons, real estate agents
More in this Category - Estate agents
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Including:
- Hold a public event in your home/garden.
- Give your estate agent presents.
- Offer prizes to the first estate agent to sell it.
- Get your house to win the "popular" best patio competition.
- Have keyrings made with photos of your house and the address. Remember not to attach your house keys to one.
I'm not saying he's wrong. I'm just saying...
Technorati Tags: property, real estate
More in this Category - _Other
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Research by Halifax estate agents suggests that one in four of us have had a rumble of some kind or other with our neighbours, with a third of those rumbles taking place in the last 12 months. Unsurprisingly, noise was the biggest single cause of grievance, and was a feature of a quarter of all cases. But - warns the Halifax - keep your cool if you don't want to keep | |