Property conversations

A new year, and especially a new decade, tends to encourage thoughts and discussions of the future. An inevitable result of these conversations is a focus on property requirements. Stacks Property Search has outlined some top line advice for couples who are planning their property futures.

Louise Ridings says, “Clearly, different issues arise for people at different stages of their life, so prescription is impossible, and the potential for surprises is always on the horizon. But the indisputable fact is that the sooner you start planning property requirements the better. Decisions should be made collaboratively, and well in advance allowing for planning, reassessing, and reducing the need for emergency action.”

Twenty-somethings:

“There’s a tendency to think that a property purchase at this stage of life is financially too onerous to consider. But the reality is that 38% of 25-34 year olds have bought their own home (English Housing Survey). So it really is never too early to start planning. It will be an uphill struggle, but the earlier you start talking about it, saving into a LISA, and looking at ways of getting a deposit together, the better. The narrative that today’s younger generation will never be able to buy a property just isn’t true. Start the discussion now!

Thirty-somethings:

“For couples who are planning family life, but who haven’t already got a foot on the housing ladder, it’s crunch time. Expensive times are on the horizon. The conversation for those who don’t yet own a property needs to be around whether it’s a sensible aspiration. If not, then it would be wise to think about long term rented, taking into consideration a location that will suit you longer term. For those who are planning to buy a home, talk about what a family-friendly home looks like – buying and selling property gets more and more expensive, so buying short term property should be avoided at all costs.

Forty-somethings:

“Couples in their forties can feel overwhelmed when it comes to property. In an ideal world they’d like to start reducing the mortgage burden, but children tend to get more expensive before they get cheaper! And there can also be a desire to move to a larger house to accommodate children whose space requirements increase as they get older. The conversation should be around whether a move is on the cards, what the ideal property looks like, and whether more space can be gained without increasing the size of the debt.

Fifty-somethings:

“The focus for couples in their fifties tends to shift a little, from a total focus on younger dependents to both older and younger generations. It’s often the time of life that parents start to require help. Conversations should be around the future property requirements of both parents and children. While there may be no immediate need for either, there’s an inevitability about the future, and it’s hard to step back entirely from getting involved.

Sixty-somethings:

“This is a good time to be talking about downsizing. Large family homes start to look unnecessary as children make their own way in the world, and there are considerable benefits to releasing some equity. There is often a reluctance to move away from a family home, so start the conversation early, try various options on for size, and sound each other out. It’s easy to assume that your partner is thinking along the same lines as you are – don’t make that mistake!

Seventy-somethings:

“Seventy is the new sixty. If you’ve already downsized and helped your children with a deposit, you may be feeling footloose and fancy free as your responsibilities diminish. Make the most of it and spend your time planning time to yourselves, but at least consider how you’re going to live in later life when you no longer have a regular income.

Eighty-somethings:

“The hardest conversations are those that concern how one or the other of you might live alone. Valentine’s Day may not be the best time for these discussions, so buy the most expensive Champagne you can afford, and don’t talk about property at all!”

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"We now own a most suitable house in the position of our dreams thanks to Stacks"
2018-11-21T13:11:13+00:00
"We now own a most suitable house in the position of our dreams thanks to Stacks"
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2018-11-21T13:13:46+00:00
"We would have absolutely no hesitation in recommending them to anyone thinking of using such a service"
"...took just days to come up with the property that fitted all our criteria"

Sunday Telegraph

2018-11-06T13:59:47+00:00

Sunday Telegraph

"...took just days to come up with the property that fitted all our criteria"
"You have an empathetic approach which, added to your knowledge and wise guidance, has made the whole thing a lot less stressful"
2018-11-21T13:17:15+00:00
"You have an empathetic approach which, added to your knowledge and wise guidance, has made the whole thing a lot less stressful"
"Should I move again, I shall definitely use you again"
2018-11-21T12:51:23+00:00
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2018-11-21T12:48:37+00:00
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"They didn’t try to persuade us to buy anything unsuitable."
2018-11-21T12:57:31+00:00
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2018-11-21T12:19:57+00:00
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2018-11-21T12:39:48+00:00
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2018-11-21T12:58:19+00:00
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2020-01-13T11:52:01+00:00
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2018-11-21T12:22:38+00:00
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2018-11-21T12:46:40+00:00
"I’ve seldom had such consistent, wise support in a major life decision, and I can’t emphasize enough how helpful it is."
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2018-11-21T12:43:03+00:00
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2018-11-21T13:09:36+00:00
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"a fantastic job in impossible circumstances"
2018-11-21T12:17:11+00:00
"a fantastic job in impossible circumstances"
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2019-06-19T13:54:55+00:00
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"Encouraging me to think creatively about what could work for me."
2020-02-27T09:49:08+00:00
"Encouraging me to think creatively about what could work for me."
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2018-11-21T13:12:46+00:00
"We were moving country – had booked the packers – and had nowhere to move into!"
"carried out with discretion"
2018-11-21T12:28:29+00:00
"carried out with discretion"
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2018-11-21T13:18:01+00:00
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2018-11-21T12:55:52+00:00
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2018-11-21T12:37:14+00:00
"found us a home in a sought-after area with a high demand for properties and very little on offer"
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2020-01-13T11:50:30+00:00
"Many thanks for your hard work and patience in assisting in buying our property. You made the whole process infinitely less stressful than it might have been"
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2018-11-21T13:18:39+00:00
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2018-11-21T12:33:22+00:00
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Financial Times

2018-11-06T14:00:36+00:00

Financial Times

"...negotiate on anything"
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2018-11-21T13:14:45+00:00
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2018-11-21T12:56:37+00:00
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2018-11-21T12:44:59+00:00
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2018-11-21T13:12:00+00:00
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2018-11-21T12:45:49+00:00
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"Stacks had the critical combination of expertise and tenacity to broker a solution for us"
2018-11-21T12:52:31+00:00
"Stacks had the critical combination of expertise and tenacity to broker a solution for us"
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2018-11-21T12:55:04+00:00
"Thank you very much for the professionalism, patience and understanding"
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2018-11-21T12:54:09+00:00
"Stacks takes great pride in their service, is an expert in their field and above all, demonstrated integrity in all our interaction with them"
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"Stacks were a tremendous help and we would never have found our home without them. She is a lovely person with a great sense of humour which was essential during some of our tricky negotiations"
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2018-11-21T13:19:40+00:00
"You saved me many miles of driving and were very professional"
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2018-11-21T12:43:48+00:00
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2018-11-21T12:41:04+00:00
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2018-11-21T13:08:49+00:00
"We are delighted with our choice and so are the children."
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2018-11-21T12:30:52+00:00
"delivered a great service at a reasonable cost"
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2019-05-02T11:00:08+00:00
"You made a huge difference to our search as I am sure you do for all your clients."
"I have been delighted with the service I have received from Stacks and will not hesitate to recommend Stacks in the future.

It is not often that one is pleased to part with money but I can truthfully say that I am on this occasion. You have earned every penny of this cheque and what is more, you have done it with great courtesy and good humour. It has been very pleasant working with you. You really did take most of the stress out of our house hunting.

Stacks’ performance on this assignment has been absolutely outstanding and more than met my expectations. Her understanding of the brief and the ‘after-find’ service set a standard of professionalism that I have not met before"
2020-01-13T11:51:03+00:00
"I have been delighted with the service I have received from Stacks and will not hesitate to recommend Stacks in the future. It is not often that one is pleased to part with money but I can truthfully say that I am on this occasion. You have earned every penny of this cheque and what is more, you have done it with great courtesy and good humour. It has been very pleasant working with you. You really did take most of the stress out of our house hunting. Stacks’ performance on this assignment has been absolutely outstanding and more than met my expectations. Her understanding of the brief and the ‘after-find’ service set a standard of professionalism that I have not met before"
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2018-11-21T12:21:23+00:00
"Because I had invested in the process of working with a Buying Agent, I had the confidence to go ahead"
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"Finding a plot not yet on the market and persuading the developer to enter into an exclusive contract with me to build to my specification."
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2018-11-21T12:47:38+00:00
"In essence, you are buying your best ally "
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2018-11-05T22:55:02+00:00
“We want to thank you so much for the very professional and sensitive support you have given us in navigating through the various properties we have considered for investment of our small inheritance.”
"You we able to give us confidence that we were doing the right thing"
2018-11-21T13:20:39+00:00
"You we able to give us confidence that we were doing the right thing"

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