Lamberts Sales & Lettings

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Joint Mortgages: Everything you need to know.

Whether you’re considering buying a home with a partner, friends, or even family members, joint mortgages are there to make the process that bit easier.

In this article we discuss the ins and outs of a joint mortgage and why splitting the costs and commitments of a property can be a beneficial decision.

What is a joint mortgage?

A joint mortgage is a mortgage that allows you to buy a property with up to three people, it’s commonly used by two borrowers in a relationship. A joint mortgage allows you to combine your money and increase your overall deposit, as well as split the cost of monthly mortgage repayments, creating ease throughout the duration of your mortgage.

A joint mortgage allows all parties involved to be held responsible, not just a sole person. Anyone is eligible for a joint mortgage, first-time buyer or not, but this could lead to you paying stamp duty if you purchase a property with a non-first-time buyer.

What are the benefits of having a joint mortgage?

When purchasing a home, a joint mortgage can bring several benefits, including the ability to borrow more money from the lender as your average household income increases.

By having multiple people involved in a mortgage, it allows you to display a more responsible and trustworthy persona to the lender for repayments, as there are two or more of you having to meet the requirements of the mortgage.

By having multiple people involved, it may allow you to place a larger deposit down, decreasing the cost of your monthly repayments and increasing your overall equity in the property.

How does a joint mortgage work?

A joint mortgage has the same principle as any regular mortgage: paying a deposit and meeting monthly repayments, but the lender will see your deposit and household income as one, not individually.

When applying for a joint mortgage, you will have to decide with your co-owner(s) how you will split the equity of the property.

A joint tenants mortgage means that all the borrowers will have equal rights over the property, and if you were to sell it, you would split the profits equally. Most joint mortgages act as one owner, with an equal split of the property and equal rights.

When friends buy a property together, they typically opt for a tenants in common mortgage. This mortgage is where each person owns a different amount of shares in the property, which can be split however they wish. This will be in the deed of trust detailing each person’s ownership percentage.

When choosing which type of joint mortgage you are going to opt for, it is important to understand which type suits your situation.

Leaving your joint mortgage

The main reason for wanting to exit a joint mortgage is usually because the relationship between yourself and your partner or co-owner(s) has broken down, and sometimes it can be hard to identify who is left accountable for the mortgage.

Who’s responsible?

You and the other borrower(s) continue to stay responsible for each monthly repayment until your name is not on the mortgage. Even if one of you decides to move out, you are both still liable for the mortgage and financially linked together.

How can you leave a joint mortgage?

Sell the property

The easiest way to walk away from a joint mortgage is by selling the property. This allows you to split the profits from the property and restart your mortgage journey. This method is cost-effective and simple, all while being achieved in a shorter timeframe.

Buy your partner out

Buying your partner out of the joint mortgage is another method, but a slightly more complicated route. This means that the entire equity of the home will be transferred over to the remaining borrower(s), but it also means you must meet new requirements, which can sometimes be harder to meet as the overall household income decreases, which could also lead to the lender pulling out.

Add a new name to the mortgage

Another way to maintain the joint mortgage could be by adding a new name. This encourages the lender to allow you to keep your mortgage and property, as multiple incomes are more convincing. There is a fee to change a name on a mortgage, as you have to pay a solicitor to cover the costs of the legal work and pay potential lender and registration fees, so changing the name on a mortgage could set you back.

Contact us today for more information on how you can start your joint property journey.
💻https://www.john-lambert.co.uk/contact-us
☎01527 61222
📱 07469 877163

🏡 NEW TO MARKET 🏡

** ATTENTION FIRST TIME BUYERS & INVESTORS ** RENT POTENTIAL OF UP TO £1000 PER MONTH ** NO UPWARD CHAIN ** An ideal opportunity to purchase this Well Presented Two Bedroom Semi-Detached House situated in the popular Church Hill South Location offered with ** No Upward Chain **.

⭐Single Garage En Bloc With Off Road Parking
⭐Two Good Sized Bedrooms
⭐Kitchen/Diner

💰Offers in the region of £190,000
For more information or to view please contact the team:
☎01527 61222
📱 07469877163

The advantages of getting 'move ready' during the summer.

With the spring market seeing an 18%* increase in mortgage approvals, as home buyers got busy moving, you can't be blamed for being tempted to move. Getting ready to move, or ‘move-ready’ to coin a phrase, during the summer months will stand you in good stead for the cooler months on the horizon. This could make your move easier when you decide the time is right. So, with that in mind, here are a few things you can do.

Don’t mistake 'move-in ready’ for ‘move-ready’

‘Move-in ready’ means a home is ready for immediate occupancy and involves a significant level of legal work, which may help to speed up a sale. Whereas being 'move-ready’, in this context, is simply doing what you can, so that you and your home are more prepared for moving, even if you are not planning on moving right now.

Sort your home’s outdoor areas out

There are a lot of advantages to moving in the summer with good weather, longer days, and the possible help of your children while they are off school. But if moving in the summer is not on the cards, taking advantage of the good weather, to make your garden and home’s kerb appeal more beautiful, will make your home more appealing to buyers. Having a sort out of the shed and a trip to the tip will de-clutter it, saving you a job in later months, when it’s time to move.

Odd jobs inside the house

Summer is a good time to dedicate a few days to addressing any issues around the house that need your attention. From painting and decorating to simple mends. From emptying your attic space, to clearing out your closets. Whether you add a few days to your holidays or have a bank holiday DIY weekend or afternoon, doing it during the summer months will require so much less effort than it would during the colder months. Then, when the season of change sets in, you can change homes with relative ease.

Check your paperwork

Whether you are thinking of moving now or in the future, it’s always better to have your paperwork in good order. Perhaps you check your credit rating regularly and have all your important paperwork stored safely. But, if there is something missing, it could delay your sale significantly when it’s time to move. Things such as gas certificates, an updated EPC rating, or certificates for any structural modifications that have been carried out, show that the work is compliant with building regulations.

Watch the property market closely

Apart from making life easier, you can take advantage of the market more easily if you are ready to move. It’s always a good idea to keep an eye on the property market. Perhaps you like exploring homes for sale online and are well-versed in tracking the progress of a home’s sale. Talking to your local agent will also give you extra insights into the markets and areas you are most interested in. The contemporary UK property market is made up of layers of localised markets, from street to street and from region to region, that can differ and are almost as unique as the various homes that reside within them. So, if you are prepared, you may be rewarded by finding your perfect property.

Are you ready to move? Get in touch
💻https://www.john-lambert.co.uk/contact-us
☎01527 61222
📱 07469 877163

🏡 STUDLEY VILLAGE LOCATION.

** A MUST VIEW ** SOUGHT AFTER LOCATION ** A Spacious Three Bedroom Detached Family Home situated in a Sought After Location within a Quiet Cul-De-Sac in the Village of Studley with Local Amenities and Schooling near by.

⭐Modern Grey Gloss Fitted Kitchen
⭐Utility Room And Downstairs Cloakroom
⭐Modern Family Bathroom

💻 https://www.john-lambert.co.uk/properties-for-sale/property/4670767-the-covers-studley
☎ 01527 854276
📱 07469 877163

Knowing which offer to accept on your home.

Selling your home involves countless difficult decisions, and knowing which offer to accept is no exception. You might have asked yourself: What if the first offer is the best one? While achieving the highest possible price for your home is an important goal to keep in mind, there are several other factors that might come into play.

Here are some key considerations to help you make your decision.

Buying position

The term ‘buying position’ refers to the buyer's readiness to proceed with the sale. Therefore, factors such as being in a chain, having a mortgage agreement in principle, and being a cash buyer, all affect the buyer’s positioning. A first-time buyer, for example, might be in a great position to buy your house since they don’t have one to sell first.

If you’re hoping for a quick move with fewer complications, you should take buying position into consideration when comparing offers.

When the first offer comes in

The first offer is an important one for a multitude of reasons. You aren’t obligated to accept the first one that comes in (or any offers for that matter) but there may be circumstances in which you do accept the first offer made on your home.

For example, if your home has been on the market for a long time without generating much interest, you might be more inclined to accept your first offer. Conversely, if you’re in need of a quick sale, you might accept the first offer in favour of waiting for more to come in.

There are also some compelling reasons why you might not accept your first offer. For example, you might fear that the offer is too low and you could risk missing out on a better offer if you hold out. There’s no way to be certain of this, which is why it’s important to have an agent guiding you through these tough decisions.

What happens if I receive two or more offers on my home?

If your house draws in multiple offers, you could be well-positioned to sell it for a high price. If both offers are identical, you have two options:

You can accept the offer from the buyer who is in the best position to close the deal fast. This could be someone without a chain, or someone who has a mortgage deal in principle.
You can move to sealed bids. This is when your estate agent asks each party to put in writing the highest amount they are willing to pay for the property. The bids must then be sealed and sent back to your agent by a specified date.
Should I pick the highest offer?

Sometimes the highest offer is the right one to choose, after all, it makes logical sense to sell your home for the highest price possible. However, some sellers might choose a lower offer in favour of a better buying position. For example, a cash buyer might offer a lower amount in exchange for a less complicated sale.

The same goes for first-time buyers, or those with a mortgage agreement in principle. If the seller places more value in a quick move, they might lean towards offers from these groups.

Our experts aren’t here to tell you which offer to choose, but we can use our local market expertise and sharp negotiating skills to guide you towards the best outcome for your sale. Remember – it’s your home, so the choice is yours!

Need help getting your home on the market? Contact our dedicated team today to get started.
💻https://www.john-lambert.co.uk/contact-us
☎01527 61222
📱 07469 877163

🏡 FOR SALE IN HEADLESS CROSS.

** FANTASTIC VIEWS TO THE REAR OVER SCHOOL PLAYING FIELD ** DESIRABLE HEADLESS CROSS LOCATION ** TWO POPULAR SCHOOLS ON THE DOORSTEP ** NO UPWARD CHAIN ** TANDEM LENGTH DOUBLE GARAGE ** Early viewing is highly advised of this Well Presented, Spacious Three Bedroom Detached Home ideal for growing families and offering Fantastic Potential to further improve. The property has recently been rewired.

⭐Tandem Length Double Garage
⭐Two Reception Rooms Plus Conservatory
⭐Modern Shower Room

💻https://www.john-lambert.co.uk/properties-for-sale/property/12191384-tennyson-road-headless-cross-redditch
☎01527 61222

🏡 PROPERTY FOR SALE IN CRABBS CROSS.

** ATTENTION FIRST TIME BUYERS & INVESTORS ** POPULAR CRABBS CROSS AREA ** A Very Well Presented and Spacious Two Double Bedroom End of Terraced House conveniently located within easy reach of Local Amenities such as Convenience Stores and Popular Schooling including Crabbs Cross Academy and St Augustine's High School. The property would ideally suit a First Time Buyer or Investor with Rent Potential Of £900 per month.

⭐Modern Kitchen/Diner
⭐Utility Room And Downstairs Cloakroom
⭐Two Double Bedrooms

💻https://www.john-lambert.co.uk/properties-for-sale/property/12410101-lea-croft-road-crabbs-cross-redditch
☎01527 61222
📱 07469 877163

🏡 NEW TO MARKET - Headless Cross

** ATTENTION FIRST TIME BUYER OR INVESTOR ** NO UPWARD CHAIN ** GARAGE & PARKING ** TWO DOUBLE BEDROOMS ** RENT POTENTIAL OF £850 PER MONTH ** A Great Opportunity to purchase this Very Well Presented Two Bedroom First Floor Apartment in the Sought After Headless Cross Location, conveniently situated close to Local Shops, Schooling and Bus Route.

⭐Single Garage En Bloc With Parking Space
⭐Modern Refitted Kitchen And Bathroom
⭐Two Double Bedrooms

💻https://www.john-lambert.co.uk/properties-for-sale/property/12450246-mason-road-headless-cross-redditch
☎01527 61222
📱 07469 877163

⭐️ SPONSOR APPRECIATION POST ⭐️

🏠 We are delighted to have Lamberts Sales & Lettings as one of our board sponsors at Studley Sports Centre!

🏡 A fixture on our High Street and now a fixture in our 3G arena… Lamberts have a 25 year track record of selling and letting property in Studley and the surrounding villages.

🏣 Thank you Lamberts, we really appreciate your support.

⚽️ To find out more about our sponsorship opportunities drop a DM over or visit:

https://studleysportscentre.co.uk/sponsor-ssc/

💰 NEW PRICE £240,000

🏡** ATTENTION FIRST TIME BUYERS AND INVESTORS ** RENT POTENTIAL OF £900 PER MONTH ** A Very Well Presented, Spacious Three Double Bedroom Mid Terraced House situated in the popular Oakenshaw area within easy reach of Local Amenities and Schooling. The property offers Versatile Living Accommodation with a Ground Floor Double Bedroom which could also be used as an Additional Reception Room/Playroom or Home Office.

⭐Modern Refitted Kitchen/Diner
⭐Conservatory
⭐Downstairs Cloakroom

💻https://www.john-lambert.co.uk/properties-for-sale/property/12425133-paddock-lane-oakenshaw-redditch
☎01527 61222
📱 07469 877163

💰 NEW PRICE - £480,000

🏡 * Offered with ** No Upward Chain ** is this Immaculately Presented and Spacious Four Bedroom Detached Family Home situated within an Exclusive Development of just nine properties in the Village of Studley within easy reach of all local amenities and schooling. Built in 2022, the property has been finished to the highest standard and benefits from the remaining NHBC Warranty.

⭐Large Kitchen/Dining Room With Built In Appliances, Breakfast Bar And Bi Folding Doors To Rear Garden
⭐Lounge With Feature Fire
⭐Master Bedroom With En-Suite Shower Room
⭐Larger Than Average Single Garage With Generous Driveway

💻https://www.john-lambert.co.uk/properties-for-sale/property/12283962-new-road-studley
☎01527 854276
📱 07469 877163

🏡 FOR SALE IN MATCHBOROUGH EAST 🏡

Situated in a Quiet Cul-De-Sac within easy reach of Local Amenities and Schooling is this Well Presented Three Bedroom Semi-Detached Family Home.

⭐Two Reception Rooms
⭐Separate Modern Fitted Kitchen
⭐Modern Shower Room
⭐Detached Single Garage With Additional Work Shop To Rear

💰 Offers in the region of £285,000
💻https://www.john-lambert.co.uk/properties-for-sale/property/8057892-ledbury-close-matchborough-east-redditch
☎01527 61222
📱 07469 877163

Exchange & Completion: What's the difference?

If you’ve reached the homestretch of your sale, exchange and completion will be your final two hurdles. Let’s take a look at the difference between the two, what to expect at each stage, and the key things you’ll need to bear in mind.

What is the difference?

While exchange and completion are essentially the final phases of a property sale, they are separate from one another:

At the point of exchange, the property sale becomes legally binding.
At completion, the buyer becomes the legal owner of the new home and is free to move in.
What happens before exchange of contracts?

Most of the legwork involved in your sale will be completed before the point of exchange of contracts. Your conveyancing solicitor and estate agent will have been working hard behind the scenes to get you to this stage!

At this stage, the buyer can still try to renegotiate the price, especially if the survey has flagged up any issues with the property. However, the purchase price cannot be altered once the contracts are exchanged.

Both parties also have the option to back out altogether before contracts are exchanged, so this is a pinnacle point in the sale. However, it’s impossible to back out at this stage without financial loss.

What happens when you exchange contracts?

Both party’s solicitors will confirm by telephone that they have signed copies of the contracts and the buyer’s solicitor will confirm that they have the deposit.

They will also confirm the date in which the sale will be completed. If you’re in a property chain, exchange of contracts will begin at the bottom of the chain all the way up to the top, which should all happen on the same day.

What does completion mean?

Completion is the final stage of the home sale, which marks the day that the home legally belongs to the buyer.

Upon completion, the deposit will be transferred to the seller’s solicitor, who will then need to confirm that they have received it before the sale can be finalised.

Once this has been confirmed, the ownership of the property must be transferred over to the buyer through the Land Registry. The seller then has until 1pm to vacate the property. After this point, the buyer can pick up the keys from their agent and move into the home.

What happens after completion?

After completion, the buyer will need to pay for Stamp Duty, and this will be handled by their solicitor once the money is transferred over to them.

If everything has gone smoothly up until this point, the buyer can unpack and get settled into their new home!

Are you planning on moving this year? Make sure you have an expert on your side.
💻https://www.john-lambert.co.uk/contact-us
☎01527 61222
📱 07469 877163

Different types of mortgages available to you.

Fixed-rate mortgage

The interest rate on a fixed-rate mortgage remains unchanged for the duration of the loan, which is usually two to five years. This is appropriate for you if you want the security of knowing the exact payment amount each month, however it does prevent you from accessing lower interest rates if they fall during your fixed-rate period.

Variable-rate mortgage

A variable-rate mortgage can change at any time depending on the fluctuation of the Bank of England base rate. This means that your monthly payments will fluctuate based on updated interest rates, which can allow you to benefit from falling interest rates. However, it is important to prepare yourself for the potential of an increase in monthly payments if rates go up.

Guarantor mortgage

A guarantor mortgage is an arrangement in which a third party, typically a family member or close relative, agrees to guarantee the mortgage repayments on the borrower's behalf. The lender typically uses this arrangement when the borrower, often a first-time buyer or someone with a limited credit history, does not meet the lender's eligibility criteria.

Essentially, the guarantor pledges their own assets or income as security for the mortgage, assuring the lender that they will receive the repayments in the event of a borrower default.

First-time buyer mortgage schemes

In 2023, the Help to Buy scheme was replaced by the LIFT scheme, a shared equity plan designed to assist individuals in buying their first property in Scotland. The LIFT plan is divided into two very similar sub-schemes, but only the New Supply Shared Equity (NSSE) scheme is accepting new applications currently.

The NSSE scheme allows first-time buyers to purchase a new-build property from a council or housing association. This scheme requires you to cover just 60 to 80% of the property’s cost, while the Scottish government holds the remaining share. You will then have the option to purchase a larger share of your home further down the line, at a rate of 5% per year.

The shared ownership scheme

Through the shared ownership scheme, first-time buyers and individuals on lower incomes can own a portion of a property and rent the remaining amount. Your stake can range from 10% to 75%, and this can be increased in the future if you wish. This scheme offers an affordable way for you to step onto the property ladder and eventually reach full ownership in the future.

Second home mortgages

A second home mortgage is a loan taken out to finance the purchase of a second property that is not your primary residence. You typically need a 25% deposit for a second home mortgage, and you must have enough income to pay off your existing mortgage in addition to this. A 3% Land and Buildings Transaction Tax is applicable to all second homes in Scotland, regardless of their value.

Looking to buy a new home?
Or would like some mortgage advice?
Contact the team today!
💻https://www.john-lambert.co.uk/contact-us
☎01527 61222
📱 07469 877163

🏡 NEW TO MARKET 🏡

** ATTENTION FIRST TIME BUYER & INVESTOR ** RENT POTENTIAL OF AROUND £900 PER MONTH ** Situated within Walking Distance of Redditch Town Centre, Bus and Train Station, along with other Local Amenities, is this Traditional Three Storey, Three Bedroom End of Terrace House, ideal as an Investment Property or for a First Time Buyer.

💰 £175,000
💻 https://www.john-lambert.co.uk/properties-for-sale/property/12458920-lodge-road-smallwood-redditch
☎ 01527 61222
📱 07469 877163

🏡 NEW TO MARKET, STUDLEY 🏡

⭐ Another one proving popular with viewings, this weekend is going to be a busy one 😅 Contact the team to secure a slot 01527 854276. ⭐

** NO UPWARD CHAIN ** POPULAR ROAD IN STUDLEY VILLAGE ** A Great Opportunity to purchase this Very Well Presented, Spacious Three Bedroom Semi-Detached Family Home in the Village of Studley, within easy reach of Local Amenities and Popular Schooling.

💰 £295,000
💻 https://www.john-lambert.co.uk/properties-for-sale/property/7019096-st-martins-avenue-studley
☎ 01527 854276
📱 07469 877163

🏡 NEW TO MARKET 🏡

⭐ Already proving popular with viewings taking place this weekend! Call the team to book your slot 01527 61222. ⭐

** A MUST VIEW ** REFURBISHED THROUGHOUT ** IDEAL FOR FIRST TIME BUYER OR DOWNSIZER ** Situated in the popular Walkwood Location is this Immaculately Presented Two Double Bedroom Mid Terrace House, within easy reach of local amenities and popular schooling. Refurbished throughout by the current owners.

💰 Offers over £220,000
💻 https://www.john-lambert.co.uk/properties-for-sale/property/12442932-rangeworthy-close-walkwood-redditch
☎ 01527
📱 07469877163

🏡 NEW TO MARKET IN STUDLEY 🏡
🎬 Definitely one to check out if you have a budget of £550,000!
https://my.matterport.com/show/?m=adaMS23o9bE

** A MUST VIEW PROPERTY ** MODERN & SPACIOUS FAMILY HOME ** DETACHED DOUBLE GARAGE ** This Immaculately Presented Four Bedroom property has been a Well Loved Family Home and been Updated over the years to a Very High Standard Throughout by the current owners. The property is Conveniently positioned in a Cul-De-Sac within easy reach of Local Amenities and Schooling, with Open Countryside close by.

⭐High Quality Modern Grey Kitchen/Breakfast Room With Integrated Appliances And Breakfast Bar
⭐Additional Reception Room Ideal As Play Room Or Home Office
⭐Large Master Bedroom With Fitted Wardrobes And Modern En-Suite Shower Room
⭐Beautifully Presented, Low Maintenance, Private Rear Garden With Garden Room
⭐Detached Double Garage With Driveway For Multiple Vehicles

💰Offers Over £550,000
💻https://www.john-lambert.co.uk/properties-for-sale/property/11521573-kiln-close-studley
☎01527 854276
📱 07469 877163

Explore 16 Kiln Close Brought to you by Lamberts Sales & Lettings in 3D Four Bedroom Family Home.

🏡 NEW TO MARKET 🏡

** IMMACULATELY PRESENTED THROUGHOUT ** MODERN FAMILY HOME ** THREE DOUBLE BEDROOMS ** Viewing is Highly Advised of this Very Well Presented, Spacious Three Bedroom Mid Terraced Family Home situated in the popular Matchborough East area, within easy reach of local amenities and schooling.

⭐Conservatory
⭐Utility Room/WC
⭐Integral Single Garage With Ample Driveway Parking

💰£235,000
💻https://www.john-lambert.co.uk/properties-for-sale/property/12427544-croome-close-matchborough-east-redditch
☎01527 61222
📱 07469 877163

🏡 ** MUST VIEW ** HUNT END LOCATION ** GENEROUS CORNER PLOT ** A Great Opportunity to purchase this Executive, Spacious Five Bedroom Detached Family Home located in the Sought After Location of Hunt End within easy reach of Local Amenities, Schooling and Open Countryside. Privately Tucked Away within a Cul-De-Sac Location on a Generous Corner Plot, the property offers great potential to further improve.

⭐No Upward Chain
⭐Three Reception Rooms
⭐Utility Room And Cloakroom
⭐Master Bedroom With En-Suite Shower Room

💻https://www.john-lambert.co.uk/properties-for-sale/property/9441903-brookfield-close-hunt-end-redditch
☎ 01527 61222
📱 07469 877163

😍 New to market in Studley and this one's a beaut!
💰 Offers in the region of £245,000
✅ Ideal for both first time buyers & families

🏡Viewing is highly advised of this Beautifully Presented, Spacious Three Bedroom Mid Terraced Family Home situated in Studley Village within easy reach of Local Amenities & Schooling. Having been refurbished throughout to a high standard by the current owners whilst still in keeping with the age of the property and packed with Original Features.

💻https://www.john-lambert.co.uk/properties-for-sale/property/11706437-birmingham-road-studley
☎ 01527 854276
📱 07469877163

💰 NEW PRICE - Offers in the region of £299,950
🏡 No Upward Chain
⭐ARCHITECTURALLY REDESIGNED

Fantastic Opportunity to purchase this Traditional Four Bedroom Three Storey Terraced House situated in the Sought After Village of Studley and offered to the market with No Upward Chain. This Quirky and Spacious Property was Renovated in 2013 by tobysmithArchitecture, aiming to create something a little different: spatially interesting, energy efficient, using sustainable materials and construction, retaining many Characterful Period Features, and taking full advantage of the sunny south-facing rear aspect.

💻https://www.john-lambert.co.uk/properties-for-sale/property/11913637-watts-road-studley
☎ 01527 61222
📱 07469 877163

💰 NEW PRICE! Offers Over £190,000 🏡 VILLAGE LOCATION ⭐ NO UPWARD CHAIN

A Fantastic and Rare Opportunity to purchase this Grade II Listed 18th Century Cottage packed with Original Characterful Features and Exposed Beams. The property is tucked away just off the main high street in the heart of Studley Village within easy reach of all local amenities and schooling.

💻https://www.john-lambert.co.uk/properties-for-sale/property/12343527-high-street-studley
☎ 01527 61222
📱 07469 877163