#Benham and Reeve

[dame-de-pique]

Adam White - A popular history of Mammalia, Imprint: London, Reeve, Benham, and Reeve, 1850

[historicalbookimages]

🌄 A popular history of British sea-weeds,. London, Reeve and Benham, 1851.

[thebeautifulbook]

DROPS OF WATER: THEIR MARVELOUS AND BEAUTIFUL INHABITANTS DISPLAYED BY THE MICROSCOPE by Agnes Catlow (London: Reeve and Benham, 1851). Illustrated.

source

[blueiskewl]

William Hooker

The Rhododendrons of Sikkim-Himalaya; being an account, botanical and geographical, of the Rhododendrons recently discovered in the mountains of Eastern Himalaya, from drawings and descriptions made on the spot, during a government botanical mission to that country. London: Reeve, Benham and Reeve, 1849 [-1851].

[worldsandemanations]

A popular history of British sea-weeds, London, Reeve and Benham, 1851

[thebotanicalarcade]

n85_w1150 by Biodiversity Heritage Library Via Flickr: The rhododendrons of Sikkim-Himalaya :. London :Reeve, Benham, and Reeve,1849-51.. biodiversitylibrary.org/page/11630741

[andrewmilroy1]

"Benham and Reeves identity" by Lisa Furze

[olko71]

New Post has been published on All about business online

New Post has been published on https://yaroreviews.info/2023/08/house-prices-fall-by-the-most-in-south-east-england-says-halifax

House prices fall by the most in south-east England, says Halifax

Getty Images

By Michael Race

Business reporter, BBC News

The value of a home in south-east England has dropped by £15,500 over a year after the region recorded the sharpest fall in house prices in July.

Halifax, the High Street lender, said average house prices in the area, which includes the home counties, fell 3.9%.

House prices in Wales, once the beneficiary of the pandemic “boom”, also tumbled.

Overall, however, Halifax said the UK’s housing market was showing resilience, despite higher mortgage costs.

It said average prices fell by 2.4% in the year to July, valuing a typical home at £285,044. That is slower than the 2.6% decline recorded in the year to June.

Despite the falls, prices remain much higher than before the Covid pandemic.

Some regions saw sharper drops than others. The value of a home in south-east England dropped to £382,489 in July.

Wales, which Halifax said had seen “some of the most rapid growth in house prices witnessed during the pandemic ‘boom'”, recorded one of the largest annual falls at 3.3% to £214,495.

Greater London also saw prices drop by 3.5% in July, but the average price is much higher at £531,141 compared to other regions.

Average house prices fell in almost all parts of the UK in July apart from in the West Midlands, where they remained unchanged.

The north east of England remains the cheapest place to buy a home with the average price being £167,594.

Commenting on the housing market in the UK, Kim Kinnaird, director at Halifax Mortgages, which is owned by Lloyds Banking Group, said it “continues to display a degree of resilience in the face of tough economic headwinds”.

“In particular, we’re seeing activity among first-time buyers hold up relatively well, with indications some are now searching for smaller homes, to offset higher borrowing costs,” she added.

Last week, the Bank of England raised interest rates for the 14th time in a row. The increase from 5% to 5.25% will lift the cost of borrowing money for many mortgages.

On Monday, the average two-year fixed mortgage rate ticked lower to 6.84%, while the average five-year deal was unchanged at 6.35%, according to financial data firm Moneyfacts.

But there have been suggestions that the current interest rate level could be the peak for consumers, with banks and building societies starting to cut mortgage rates, according to Laura Suter, head of personal finance at AJ Bell.

Andrew Bailey, the Bank of England’s governor, told the BBC there was an “adjustment” to house prices going on. But he cautioned: “I think we should avoid preaching crisis at this point, it’s not that.”

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Last week, the Nationwide building society said that house prices in July recorded their sharpest fall in 2009 but they remained £45,000 higher than February 2020, the last month before the first lockdown.

During the height of the Covid pandemic, house prices soared as people who were forced to work from home at the time decided they wanted more space inside and out. The market was also boosted by a stamp duty holiday.

Halifax’s Ms Kinnaird said while house prices will continue to fall into next year, she expects “a gradual rather than a precipitous decline”.

“And one that is unlikely to fully reverse the house price growth recorded over recent years, with average property prices still some £45,000, or 19%, above pre-Covid levels,” she added.

Marc von Grundherr, director of Benham and Reeves estate agents, said considering the surge in house prices during the pandemic, “it is actually quite remarkable that the market is still standing so strong given the wider economic picture”.

But LSL Property Services, one of the UK’s largest providers of mortgage and valuation services, warned that its full-year profits would be “substantially lower” than previously forecast due to rising interest rates hitting homebuying activity.

The company’s share price tumbled by 13.8% on the warning.

LSL Property Services, which owns mortgage adviser Primis and estate agency Your Move, said that “the larger than expected increase” in the Bank of England base rate in June – when it rose by half percentage point – had “had a material impact on the mortgage market”.

Nationwide said prices had dropped by 3.8% in the year to July. The figure paints a slightly different picture to Halifax’s figures, which suggest prices have fallen by 2.4%.

Each lender bases their data on their own mortgage approvals, meaning their calculations may differ.

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What happens if I miss a mortgage payment?

If you miss two or more months’ repayments you are officially in arrears

Your lender must then treat you fairly by considering any requests about changing how you pay, such as lower repayments for a short time

They might also allow you to extend the term of the mortgage or let you pay just the interest for a certain period

However, any arrangement will be reflected on your credit file, which could affect your ability to borrow money in the future

Read more here

Related Topics

Personal finance

Housing market

UK economy

Mortgages

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[benhams]

🏡 London property investment event in Delhi (India) : Hayes Village 🌟

📢 Join us in Delhi for an exclusive London property launch event that you won't want to miss!🔑✨

We are thrilled to announce that Barratt, one of London's renowned developers, in partnership with Benham & Reeves, is all set to participate in this prestigious real estate fair right here in India. Get ready to explore the elegance of Hayes Village, an incredible West London regeneration project, with prices starting from ₹4 crore. These brand new homes, most featuring a balcony/terrace, offer a strategic location with excellent connectivity to central London.

Don't pass up this amazing opportunity to be a part of this real estate exhibition. You'll have the chance to personally meet the Barratt London team as they make their way to India, bringing with them expert guidance from industry professionals. Discover projections of a 19% capital growth in the next 5 years and rental yields of up to 5.9%. Learn about the remarkable 70% increase in house prices in the Borough over the past decade.

Turn your dream of owning a London home into reality with tailored solutions and step-by-step assistance available exclusively at this property fair. Whether you're an investor or in search of a luxurious home, this event is your ultimate destination.

Reserve your spot now to ensure your presence at these exclusive real estate exhibition events. Secure your place and stay updated with the latest developments. Join us in Delhi to experience the epitome of luxury, sophistication, and exceptional investment potential at the London property launch events in India!

Date: Saturday 26 & Sunday 27 August Venue: The Lodhi Hotel, Lodhi Rd, CGO Complex, Pragati Vihar, Delhi 110003

Time: 10 AM - 7 PM

Invest wisely. Live beautifully. Join us at the Hayes Village Exclusive Launch in August 2023! 🏘️📈

Register Here

[octonautskiwi]

Bvv ź ni naa saw In8 nom nj a

[lindpro1122]

Does a Loft Conversion Increase the Value of Your House?

If your primary motivation for embarking on a home improvement project this year is to eventually sell at a high price, you'll want to discover the best ways to add value to your home by adding, remodelling, or renovating one or more areas. If the return on your investment is your primary priority, however, not all home upgrades are made equal. Some, while appealing to you as the present owner, may do more harm than good to the value of your home.

When it comes to funding a major home project, most of us have limited money, and the choice is usually between making a few cosmetic adjustments here and there or going for one significant improvement - usually an extension to the existing liveable area. Which one should you choose? The one home improvement that will increase the value of your home the most. According to expert builders in Wimbledon, you should go with the latter remodelling concept, because the one home modification that will almost certainly make a significant difference to the value of your property is an attic - or loft - conversion. 

Does loft conversion add value to a house?

According to experts, creating 'the perfect self-contained sleeping space' in your attic - that is, a bedroom with an ensuite - will likely result in a maximum value add-on of 20-25%. And this will only work in areas where larger, family homes are 'in short supply.' If you already reside in an area where huge, multi-bedroom homes are plentiful, a loft conversion is unlikely to increase the value of your home.

‘You'll have to think about how you can incorporate more storage space into your home to compensate for the storage space you're losing,' he says. If you intend to stay in your house for an extended period, a loft conversion may not be practical.

Loft conversions in Wimbledon are seeing a revival, in part because homeowners are increasingly employing them as home offices. A home office, formerly considered a niche option, is now one of the most in-demand property amenities, with demand in London alone increasing from 8% to 27% by 2020, according to Benham & Reeves.

Although turning your loft into a home office will not add as much value as an ensuite bedroom - 10% vs. 20% - it will also be at the lower end of the normal loft conversion cost, making it well worth the investment.

The extra value of your loft conversion will be determined by several factors. Every home has a price limit (the maximum amount that it can realistically sell for given the location and type of property). For example, if you own a three-bedroom property worth £300,000 and the maximum price for a four-bedroom home in your neighbourhood is £320,000, adding anything other than the most basic of loft conversions will likely result in little or no increase in value. Similarly, if you only have two bedrooms and most other houses in your neighbourhood have three or more, a loft conversion may be necessary to make your home more appealing to potential buyers. 

Standing in the center of your loft, between the ridge and the ceiling joists, measure the headroom to see if a loft conversion is feasible in your property. A loft conversion should be achievable if you have at least 8ft of room, but you can get away with as little as 7ft.

Consult builders in Wimbledon or loft conversion specialists to see if your loft is a good candidate for conversion. After determining suitability, you should hire an architect or building surveyor to generate drawings and designs for you.

Lindpro has 19 years of experience working in the building industry and producing luxury renovation results in Wimbledon and surrounding areas. We have a customer centred approach to our building work and support our clients throughout the whole process. With our help, your Wimbledon home will be what dreams are made of.

[dame-de-pique]

Mary Roberts - Voices from the woodlands, Imprint: London, Reeve and Benham, 1850

[historicalbookimages]

🐯 Illustrations of British mycology,. London, Reeve, Benham and Reeve, 1847-55.

[heaveninawildflower]

A few more illustrations of rhododendrons taken from ‘The Rhododendrons of Sikkim-Himalaya’ by Joseph Dalton Hooker.

Published 1849 by  Reeve, Benham, and Reeve.

http://www.biodiversitylibrary.org/permissions

archive.org

[indigodreams]

L.M. Budgen. Episodes of Insect Life. London, Reeve, Benham, and Reeve, 1849.

[wapiti3]

The rhododendrons of Sikkim-Himalaya : being an account, botanical and geographical, of the rhododendrons recently discovered in the mountains of eastern Himalaya

By Hooker, Joseph Dalton, Sir, 1817-1911

Fitch, W. H. (Walter Hood), 1817-1892 ; Hooker, William Jackson, Sir, 1785-1865 Reeve, Benham, and Reeve Publication info London :Reeve, Benham, and Reeve,1849-51. Contributor: Missouri Botanical Garden, Peter H. Raven Library BIODIV LIBRARY