UPDATE June 8: McCarthy and Stone points out that over the credit crunch period (the five years between 2007/8 to 2011/12) it sold 7,170 properties. Then the Dispatches sent in an actress posing as the 79-yeat-old widow Mrs Grimsdale, who was pretending to sell a four-bedroom terraced house in Worthing to buy a one-bedroom flat at Cherrett Court, Bournemouth. The company said the new measures would result in … The team has a unique understanding of retirement living, enabling us to communicate all the benefits clearly. Charges differ between one and two bed apartments to reflect the general size difference. This would severely impact affordability for our customers. These cookies allow us to understand how people use our website and where they came from, so that we can measure and improve the performance of our website, as well as to remember your preferences. We believe a modest ground rent is the most efficient way of paying for the additional construction costs in our developments. No, under the terms of the Assured Tenancy Agreement sub-letting is not permitted. Or talk to us on 0800 201 4811. Call on: 0800 201 4811. Buying an apartment before it’s finished may sound daunting, but we’ll give you plenty of information, including floor plans, to help you visualise what it will be like in your new home. Once you’ve reserved your apartment, you - probably - need to sell your current home. A small number of developments may be less if we have not acquired the freehold of the site. They are tightly regulated by national legislation and must relate to the management services provided within the development, not the building costs. This fee does not go to McCarthy Stone but covers the long-term maintenance of your development. Will hedge-funders clean up in £500 million McCarthy and Stone float? If they can no longer live safely and independently in a development, we can work with them and their family to help them move to a more specialised setting. Housing developers are set to be banned from selling new-build houses on a leasehold basis, while ground rents on new leases will be slashed to zero, the Government has announced today. Our ground rents are fair, says McCarthy and Stone (even though they go up to £600 and are for no service whatsoever). Bear in mind you may get a higher price on the open market. We do not provide any of these services ourselves, with the exception of the House Manager, who we employ. If a service Yes. The rents rise 2% a year or in line with the retail prices index, whichever is higher. At some of our most recent developments, the service charge also includes the cost of heating the apartments. There is no age limit for buying one of our apartments, just to live in them. It will also cover accidental damage to the fixtures and fittings. Sign Up for Newsletter. Homeowners only pay for the care they need when they need it. Call 0800 201 4811 for more details of our terms and conditions. The question that often arises […] And Mrs Grimsdale was told she had to make a decision in four days to ‘benefit’ from part-exchange. Benefits include:It’s an affordable approach to owning a stunning new retirement home. If you accept our part exchange offer, we’ll work with your legal representatives to finalise the contracts. Most McCarthy Stone developments offer properties with the option to buy or rent (or Part buy, part rent if you like) and you’ll be protected by an assured tenancy, which means we can’t ask you to leave unless you break the rules. If you haven’t  received a brochure within 10 days of your request then please give us a call on: Three independent local estate agents and a surveyor will value your property. Unless we say otherwise, it’s your responsibility to arrange and pay for council tax, electricity, gas, water, sewage rates, TV licence etc. Annual rent review on the date specified in your lease will be indexed to movements in the Retail Price Index (RPI) subject to a minimum 0.5%. But most powerful of all was the expose of McCarthy and Stone, whose seemingly motherly sales force (“mother value” is the dubious term McC&S uses) were revealed to be predatory. Meals for special events will be priced by each individual experience and may cost more. The fairness of transfer fee terms enforced by Fairhold in leaseholdagreements with tenants of its retirement home properties. You’ll be asked to provide identification documentation that complies with the latest Government Right to Rent regulations – our sales consultants will talk you through what you need. Other tasks can include: In addition, a member of our management team is on site 24 hours-a day, 365 days-a-year to provide reassurance. We’ll give you a part exchange offer based on these valuations. Once contracts have been exchanged a completion date will be confirmed by your solicitor and/or one of our Sales Consultants. Part 1 of the Housing Act 1988 deals with assured tenancies and came into effect on the 15 th January 1989.. We will talk you through all the costs involved in living in a McCarthy Stone apartment before you buy. ... to new-build homes being sold under leasehold agreements… Consumer Contracts Regulations 1999 (the UTCCRs). You will also have to pay a security deposit equivalent to five weeks rent when you move in. Step 2We’ll give you a part exchange offer based on these valuations. Here former squadron leader Eric Matthews, 94, humiliated Peverel and had the company pay back £11,500 for insurance and other contracts doled out to Peverel owned companies. Bear in mind you may get a higher price on the open market. Ground rents are payable on leasehold properties in England and Wales. This reduces stamp duty to zero on most McCarthy Stone apartments – making it the perfect time to buy. Conditions apply and the sales team can explain these in detail to you. You can use this 'Manage settings' feature to switch on or off certain types of cookies, although some cookies are necessary for our site to work correctly. Usually between around 12 to 16 weeks, but we will try to be flexible to your needs. Please contact your Sales team for more details. RPI has been in the range c.1-4% since 2013 and was 3.3% in March 2018. Talk to your sales consultant or call: 0800 201 4811 for more information. No. This document could form the basis for any dispute at the end of your tenancy and should be checked carefully. Category: FirstPort, News, PressTag: McCarthy and Stone, Peverel. These cookies record your visit to our website, the individual pages you visit, the links you follow and the type of device you use. Yes, the hour support is included in the service charge at a flat rate. Norman Greed, 82, showed that pensioners can organise a successful right to manage and slash the burden of their service charges. We don’t believe in a ‘one size fits all’ approach. They can lead to a better understanding and faster resolution of matters concerning residents as a whole. But she sold it herself for £50,000 more after only two weeks on the market. Read original story here or search Strand Court on this site. Charges vary slightly between developments and range from £4 - £7 per meal. Our apartments are built to comply fully with building regulations which cover sound proofing. We’ve redesigned all of our processes, from your first enquiry to when you move into your new home, always going above and beyond the current guidelines for everyone’s protection. It’s quick, cost-effective and simple The benefits of our Part Exchange Offer include: Part Exchange in three simple stepsStep 1Three independent local estate agents and a surveyor will value your property. We also have an in-house Resales estate agency service which achieves an average of c.4% net price increase per resale. This type of scooter must be stored in your apartment. And ground rents on leasehold contracts for houses and flats will be limited to 0.1% of the property’s sale value. A small number of developments may be less if we have not acquired the freehold of the site. The leasehold ban was generally welcomed, but questions remain about the position of existing leaseholders. During the COVID 19 crisis we’ve reduced our brochure mailings to once a week on a Tuesday to ease the strain on our printers and distributors. The service charge budgets represent the costs that we expect to incur in a normal year, with a full development. We offer all of our customers support to understand what government benefits are available, so they don’t miss out on money they are entitled to. The terms Retirement Living and sheltered housing are used interchangeably for the same development type. This goes into the sinking fund (the contingency fund) for each development, which covers maintenance of that scheme. We have developed a simple chart to help customers make a direct comparison for use during the sales process and a full breakdown of the service charge budget is available from our sales consultants and managers at all new developments. McCarthy & Stone said it does not build leasehold houses or apply escalating ground rents and that ground rents on its retirement flats go towards managing and maintaining the development. Heating costs are also often lower due to our modern construction methods and the more manageable size of the new apartment. Our service charges are ‘pass through’ costs which we do not mark up in any way. The freehold is sold to property investment bodies who are owned by mainstream UK pension and annuity funds. They are responsible for the upkeep of 190,000 leasehold flats and houses, many of them McCarthy & Stone retirement homes. The lease will state that you’re not permitted to occupy an apartment under the age limit set. Urging reform. In 2009 the OFT lost a high profile court case against Abbey National on a similar argument over bank charges. The inventory contains details of the property and contents. By clicking "Accept all" you agree to our use of cookies or, you can click on the list items to find out more and manage your preferences. Ground rents help to pay for the communal areas to be built. If your apartment has underfloor heating, carpets must be replaced with carpet which meets regulations. Care homes typically offer single room accommodation for rent, whereas our developments you own or rent your own private apartment. For managed developments released for sale prior to August 2015, leases are typically for 125 years. Yes. These proposals have not become law and the Government is not proposing to make them retrospective. You’ll be asked for proof of income, savings and/or pensions, along with copies of your last three months’ bank statements. And as the UK’s leading developer and manager of retirement communities it’s what we do. Note: The government has increased the stamp duty threshold in England, meaning there’s no stamp duty to pay on properties costing £500K or less from now until 31 March 2021. It is recommended that homeowners take out their own contents insurance, including accidental damage and public liability insurance, as this will usually provide cover in the event of a leak caused by the homeowner (i.e. These figures are correct up to 30 June 2021. We will be point of contact for the day to day management of the apartment and manage the provision of services to the apartment and communal facilities of the development generally. The majority of properties built and managed by McCarthy Stone increase in value when resold. The council tax band varies per development. Your rent, service charge and ground rent is a contractual agreement between you and your landlord. That’s why viewings are currently strictly by appointment only and places are limited. Apartments include waist height ovens and plug sockets and slip resistant flooring and lever taps in the bathrooms. One hour’s domestic assistance is included in the weekly service charge in the majority of Retirement Living PLUS developments. As part of our system of checks and controls, we regularly monitor service charges in our managed schemes against current market practices and third party providers to ensure we offer competitive rates. It is held in trust and used only on the maintenance of that development and cannot be accessed by McCarthy Stone for its own purposes. They are tightly regulated by national legislation and must relate to the management services provided within the development, not to construction or repair costs. No, but our apartments are designed to be wheelchair friendly and corner baskets / carousels etc, may be provided in some developments. McCarthy Stone properties are designed for active independent living. McCarthy & Stone plc. Find out more about strictly necessary cookies here. A transfer fee, which is also known as an exit or event fee, was a charge paid directly to the freeholder of the development when an apartment was sold or rented out. All care and support services can be provided by our on-site care staff. All developments released for sale from August 2015 have 999 year leases. Leases can be extended and you can find out further information from the Leasehold Advisory Service. As Baroness Gardner said, you needed to be a “mathematician” to understand it. For managed developments released for sale prior to August 2015, leases are typically for 125 years. Washing machines are not included, but some sites have a laundry facility. from one company, McCarthy and Stone, to remove this type of clause from future contracts and not to enforce it in existing contracts. Our ground rents are typically between c.£400-£500 per year depending on the level of service, number of bedrooms and location. So you only pay for the care you need at the time you need it. It would be possible to base cost on actual square footage, but it would be complicated and lead to confusing minor variations in ground rents between comparable apartments. Yes if you live on the development you can use the guest suite on some of our other developments. As a registered builder with the NHBC, all new McCarthy Stone apartments come with a 10-year NHBC Buildmark. No. The sessions start from as little as 15 minutes per day and can be increased and decreased as required. McCarthy & Stone claims a lot of the lease problems are historic and have been resolved. It is there to benefit all homeowners and is used to pay for the replacement of carpets and furniture in the shared areas as well as longer term repairs like roofs, window frames and lifts. These fees are paid into the development’s sinking/contingency fund and are for everyone’s benefit. 1/09 14 January 2009 The OFT has secured an agreement from a major builder of UK retirement apartments to amend its leases, especially in relation to the re-sale of properties. Where the underletting is for more than a year, the contingency fee is 1% of the annual rent payable annually on the anniversary of the commencement of the term. Up to £1,000 towards legal fees* We’ll contribute to your legal fees when you use one of our recommended, independent solicitors. Note: While we provide a wide range of personal care and support services, it is not suitable for people who require residential nursing care. We offer a function room at some developments. Council tax is not included in the service charge. Frequently asked questionsWe’ve put together a list of answers to your most common questions about our retirement properties. I live in a McCarthy & Stone apartment block built in 2000 the Leaseholders are Fairhold Homes No4 with their allotted service managers then Peverel/FirstPort and we have constantly been complaining about increases in costs to service charges since we purchased in 2000 as you will have seen on Campaign against retirement leasehold exploitation archives & national media. For a full list please speak to your House or Estate Manager. We believe there is for a sensible proposal. By Simon Tye, Legal Adviser September 2017 Health and safety in blocks of flats, and in particular, fire safety risk assessments, are very much on the radar following the tragic events at Grenfell Tower. charity (number: 1162584) with the Charities Commission.Website by Callia Web, LKP saves family £25,000 over shared equity McCarthy and Stone lease, McCarthy and Stone replies to Dispatches exposé, McCarthy and Stone gives Peverel the push at 25 retirement sites. They help us see which pages are the most and least popular, and how visitors move around our website. Kitchens are fully fitted with white goods which come with a 2-year guarantee. A friend or family member can stay with you in your apartment for a maximum of six months. If we do not hear from you, we will assume that you agree that it is accurate. Care can be increased or decreased according to homeowners’ changing circumstances. Living in a McCarthy Stone apartment - including rights, rules and what's included. Most of our developments are more than happy to welcome a well behaved pet to live with you in your new home. Telephone: 020 7978 2607 info@arma.org.uk View on Google Maps No ground rent is payable for these properties. The information used by McCarthy Stone can give you a more personalised experience on our site. The Leasehold Reform Housing and Urban Development Act 1993 (as amended) is legislation which provides an opportunity for an additional term of 90 years, at a peppercorn rent which is basically the same as being rent free. McCarthy and Stone has profited the most from the retirement leasehold racket and yet has curiously not been the focal point of most of the opprobrium. We aim for them to be as accurate as possible and we try to keep annual increases in line with inflation, although certain costs like energy prices can have inflationary pressures that are outside of our control. The cost is usually £25 per night for the room however this may vary depending on the development. We take care to explain each option so customers can make an informal decision on what is right for them.”. On 1st September 2008, McCarthy Stone abolished this fee on all leases in all developments built after that date. That depends on your individual circumstances, but in many cases, service charges are lower than like-for-like costs in a previous property. It is up to you whether you feel the benefits of part exchange outweigh that possibility. 3. It will not alter the terms of existing leases or customer rights and will not affect how ground rent is calculated. Our customers recognise that they are buying into a lifestyle based around security and companionship, as well as warmth, friendship, ease of maintenance, reduced responsibilities and enhanced wellbeing. This depends on how the flood occurred and who is responsible. It is a specific fund kept in the development’s own bank account. It is also possible to exchange and complete on the same day if you want to. Yes. You may of course decorate your apartment how you like once you have purchased it. A number of lenders offer specialist retirement property mortgages. They exist primarily to help homeowners negotiate on things like repair schedules, finance and social activities. Watch this video  to learn more about the protective measures we’re taking and what you can expect from us when you arrive. You can read our briefing note here. We sometimes carry out inspections to check the condition of the property and to see if there’s any maintenance work we need to do. We depend on individuals for the majority of our funding. The age restrictions for occupiers are often imposed by council planning departments and are in line with government policy which encourages purpose built accommodation for older people. Exclusive to the over the 70s, these are luxurious and low maintenance private apartments in great locations. Advising leaseholders. If you have to live in one, then rent instead. McCarthy & Stone (MCS) may be lobbying the government for an exemption from proposals to crack down on ground rents on new leasehold properties, but it is preparing for the worst nonetheless. They are not suitable for people with significant care needs like advanced dementia. We’ll even contribute £1,000 towards your solicitor’s fees*. Each time you staircase you need to plan for additional costs such as valuation fee, legal expenses, SDLT*/LTT** if applicable. The company takes issue with Campaign against retirement leasehold exploitation’s view that there has been “almost NO demand” and that “schemes have not been sold”. Yes. Yes, if you own the apartment then smoking is allowed within your apartment, but not within communal areas. For joint occupancy one of the occupants has to be over 60 and the other over 55. The ground rent does not increase after the 125th anniversary even though our new leases are for a term of 999 years. They are not suitable for people with significant dementia care needs. For a typical Retirement Living apartment (based on Atwood House in Sanderstead), the latest service charge is £48.93 a week for a one-bedroom apartment and £73.36 a week for a two-bedroom apartment. Download the Tenancy Deposit Scheme leaflet. Yes. It’s when you agree to buy a property before the development is completed (usually around 6 months before). McCarthy and Stone, which builds and sells retirement apartments on leasehold deals, saw its shares fall by more than 8%. The Estates Manager provide a flexible care and support package tailored to your needs. Also heating costs are often lower due to our modern construction methods and the more manageable size of the new apartment. Removing ground rents would likely mean we would need to raise our prices to recover this income or introduce additional charges. Retirement villages are typically large-scale out-of-town developments of up to 250 units, providing a range of accommodation and care options. There is no upper limit. It is your responsibility to tell suppliers that you have moved in and to set up payment. Age restrictions and age exclusive options for retirement living. When we use the information from these cookies it is grouped together and therefore anonymous. McCarthy Stone is part of the Tenancy Deposit Scheme, membership number G10625. McCarthy Stone properties are designed for independent living. You can rent the apartment provided your tenant(s) meet the criteria for occupiers set out in the lease. exclusive possession (i.e. From this, we introduced a new self-regulatory regime for our members in 2014 known as ARMA-Q. At some of our most recent developments, the service charge also includes the cost of heating the apartments. If you haven’t  received a brochure within 10 days of your request then please give us a call on: 0800 201 4811. You should seek advice from your solicitor to confirm how much SDLT you have to pay. Find out more about marketing cookies here. Talk to your sales consultant or call: 0800 201 4811 for more information. Open Data Institute Yes. For joint occupancy usually one of the occupants has to be over 70 and the other over 65. The retirement housebuilder – which charges an annual ground rent on its apartments – has been renegotiating its planning agreements, as well as taking a more cautious approach to buying land. This means that we will continue to be the landlord and responsible for the estate management of the development. If you do not allow these cookies we will not know when you have visited our website and will not be able to monitor its performance. Benefit from an on-site manager and access to communal areas for socialising. The completion date is the day when ownership of the property legally transfers from McCarthy Stone to you. Our rates are competitive, and all care and support services are delivered by our staff who are employed on site. Many homeowners use this time to have their apartment cleaned. Though these cookies cannot be switched off, you can set your browser to block or alert you about them, but please be aware that this will stop some parts of the website from functioning as intended. Yes, you need it time we will talk you through everything you it. Disgraceful treatment of the lease for our apartments are built to comply fully with building regulations which cover sound.! Individuals for the majority of properties, and to the over 70s independently have. Goods which come with a full list please speak to the team first development’s own bank account ’! 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