Real Estate Brokers and

Real estate brokers and sales agents Skip Navigation Links Latest Numbers U.S. Department of Labor Bureau of Labor Statistics Occupational Outlook Handbook www.bls.gov Search the Handbook BLS Home | OOH Home | Frequently Asked Questions | A-Z Index | Contact Us Printer-friendly version ( HTML ) -- PDF ) -- Real Estate Brokers and Sales Agents Nature of the Work Working Conditions Training, Other Qualifications, and Advancement Employment Job Outlook Earnings Related Occupations Sources of Additional Information Significant Points Real estate brokers and sales agents often work evenings and weekends and usually are on call to suit the needs of clients. A license is required in every State and the District of Columbia. Although gaining a job may be relatively easy, beginning workers may face competition fromwell-established, more experienced agents and brokers in obtaining listings and in closing an adequate number of sales. Employment is sensitive to swings in the economy, especially interest rates; during periodsof declining economic activity and increasing interest rates, the volume of sales and the resultingdemand for sales workers fall. Nature of the Work [ About this section ] Back to Top One of the most complex and significant financial events in peoples lives is the purchase or sale of a home or investment property. Because of this complexity and significance, people typically seek the help of real estate brokers and sales agents when buying or selling real estate. Real estate brokers and sales agents have a thorough knowledge of the real estate market in their communities. They know which neighborhoods will best fit clients needs and budgets. They are familiar with local zoning and tax laws and know where to obtain financing. Agents and brokers also act as intermediaries in price negotiations between buyers and sellers. Real estate agents usually are independent sales workers who provide their services to a licensed real estate broker on a contract basis. In return, the broker pays the agent a portion of the commission earned from the agents sale of the property. Brokers are independent businesspeople who sell real estate owned by others; they also may rent or manage properties for a fee. When selling real estate, brokers arrange for title searches and for meetings between buyers and sellers during which the details of the transactions are agreed upon and the new owners take possession of the property. A broker may help to arrange favorable financing from a lender for the prospective buyer; often, this makes the difference between success and failure in closing a sale. In some cases, brokers and agents assume primary responsibility for closing sales; in others, lawyers or lenders do. Brokers supervise agents who may have many of the same job duties. Brokers also supervise their own offices, advertise properties, and handle other business matters. Some combine other types of work, such as selling insurance or practicing law, with their real estate business. Besides making sales, agents and brokers must have properties to sell. Consequently, they spend a significant amount of time obtaining listings—agreements by owners to place properties for sale with the firm. When listing a property for sale, agents and brokers compare the listed property with similar properties that recently sold, in order to determine a competitive market price for the property. Once the property is sold, both the agent who sold it and the agent who obtained the listing receive a portion of the commission. Thus, agents who sell a property that they themselves have listed can increase their commission. Most real estate brokers and sales agents sell residential property. A small number—usually employed in large or specialized firms—sell commercial, industrial, agricultural, or other types of real estate. Every specialty requires knowledge of that particular type of property and clientele. Selling or leasing business property requires an understanding of leasing practices, business trends, and the location of the property. Agents who sell or lease industrial properties must know about the regions transportation, utilities, and labor supply. Whatever the type of property, the agent or broker must know how to meet the clients particular requirements. Before showing residential properties to potential buyers, agents meet with them to get a feeling for the type of home the buyers would like. In this prequalifying phase, the agent determines how much the buyers can afford to spend. In addition, the agent and the buyer usually sign a loyalty contract which states that the agent will be the only one to show houses to buyers. An agent or broker then generates lists of properties for sale, their location and description, and available sources of financing. In some cases, agents and brokers use computers to give buyers a virtual tour of properties in which they are interested. With a computer, buyers can view interior and exterior images or floor plans without leaving the real estate office. Agents may meet several times with prospective buyers to discuss and visit available properties. Agents identify and emphasize the most pertinent selling points. To a young family looking for a house, they may emphasize the convenient floor plan, the areas low crime rate, and the proximity to schools and shopping centers. To a potential investor, they may point out the tax advantages of owning a rental property and the ease of finding a renter. If bargaining over price becomes necessary, agents must follow their clients instructions carefully and may have to present counteroffers in order to get the best possible price. Once both parties have signed the contract, the real estate broker or agent must make sure that all special terms of the contract are met before the closing date. For example, the agent must make sure that the mandated and agreed-upon inspections, including that of the home and termite and radon inspections, take place. Also, if the seller agrees to any repairs, the broker or agent must see that they are made. Increasingly, brokers and agents are handling environmental problems as well, by making sure that the properties they sell meet environmental regulations. For example, they may be responsible for dealing with lead paint on the walls. While loan officers, attorneys, or other persons handle many details, the agent must ensure that they are carried out. Working Conditions [ About this section ] Back to Top Advances in telecommunications and the ability to retrieve data about properties over the Internet allow many real estate brokers and sales agents to work out of their homes instead of real estate offices. Even with this convenience, much of the time of these workers is spent away from their desks—showing properties to customers, analyzing properties for sale, meeting with prospective clients, or researching the state of the market. Agents and brokers often work more than a standard 40-hour week. They usually work evenings and weekends and are always on call to suit the needs of clients. Although the hours are long and frequently irregular, most agents and brokers have the freedom to determine their own schedule. Consequently, they can arrange their work so that they can have time off when they want it. Business usually is slower during the winter season. Training, Other Qualifications, and Advancement [ About this section ] Back to Top In every State and the District of Columbia, real estate brokers and sales agents must be licensed. Prospective agents must be high school graduates, be at least 18 years old, and pass a written test. The examination—more comprehensive for brokers than for agents—includes questions on basic real estate transactions and laws affecting the sale of property. Most States require candidates for the general sales license to complete between 30 and 90 hours of classroom instruction. Those seeking a brokers license need between 60 and 90 hours of formal training and a specific amount of experience selling real estate, usually 1 to 3 years. Some States waive the experience requirements for the brokers license for applicants who have a bachelors degree in real estate. State licenses typically must be renewed every 1 or 2 years; usually, no examination needs to be taken. However, many States require continuing education for license renewals. Prospective agents and brokers should contact the real estate licensing commission of the State in which they wish to work in order to verify the exact licensing requirements. As real estate transactions have become more legally complex, many firms have turned to college graduates to fill positions. A large number of agents and brokers have some college training. College courses in real estate, finance, business administration, statistics, economics, law, and English are helpful. For those who intend to start their own company, business courses such as marketing and accounting are as significant as courses in real estate or finance. Personality traits are equally as important as ones academic background. Brokers look for applicants who possess a pleasant personality, are honest, and present a neat appearance. Maturity, good judgment, trustworthiness, and enthusiasm for the job are required in order to encourage prospective customers in this highly competitive field. Agents should be well organized, be detail oriented, and have a good memory for names, faces, and business particulars. Those interested in jobs as real estate agents often begin in their own communities. Their knowledge of local neighborhoods is a clear advantage. Under the direction of an experienced agent, beginners learn the practical aspects of the job, including the use of computers to locate or list available properties and identify sources of financing. Many firms offer formal training programs for both beginners and experienced agents. Larger firms usually offer more extensive programs than smaller firms. More than a thousand universities, colleges, and junior colleges offer courses in real estate. At some, a student can earn an associates or bachelors degree with a major in real estate; several offer advanced degrees. Many local real estate associations that are members of the National Association of Realtors sponsor courses covering the fundamentals and legal aspects of the field. Advanced courses in mortgage financing, property development and management, and other subjects also are available. Advancement opportunities for agents may take the form of higher rates of commission. As agents gain knowledge and expertise, they become more efficient in closing a greater number of transactions and increase their earnings. In many large firms, experienced agents can advance to sales manager or general manager. Persons who have received their brokers license may open their own offices. Others with experience and training in estimating property value may become real estate appraisers, and people familiar with operating and maintaining rental properties may become property managers. (See the Handbook statements on property, real estate, and community association managers ; and appraisers and assessors of real estate . ) Experienced agents and brokers with a thorough knowledge of business conditions and property values in their localities may enter mortgage financing or real estate investment counseling. Employment [ About this section ] Back to Top In 2004, real estate brokers and sales agents held about 460,000 jobs; real estate sales agents held approximately 24 percent of these jobs. Many worked part time, combining their real estate activities with other careers. About 6 out of 10 real estate agents and brokers were self-employed. Real estate is sold in all areas, but employment is concentrated in large urban areas and in rapidly growing communities. Most real estate firms are relatively small; indeed, some are one-person businesses. By contrast, some large real estate firms have several hundred agents operating out of numerous branch offices. Many brokers have franchise agreements with national or regional real estate organizations. Under this type of arrangement, the broker pays a fee in exchange for the privilege of using the more widely known name of the parent organization. Although franchised brokers often receive help in training sales staff and running their offices, they bear the ultimate responsibility for the success or failure of their firms. Real estate brokers and sales agents are older, on average, than most other workers. Historically, many homemakers and retired persons were attracted to real estate sales by the flexible and part-time work schedules characteristic of the field. These individuals could enter, leave, and later return to the occupation, depending on the strength of the real estate market, their family responsibilities, or other personal circumstances. Recently, however, the attractiveness of part-time real estate work has declined, as increasingly complex legal and technological requirements are raising startup costs associated with becoming an agent. Job Outlook [ About this section ] Back to Top Employment of real estate brokers and sales agents is expected to grow about as fast as average for all occupations through the year 2014, because of the increasing housing needs of a growing population, as well as the perception that real estate is a good investment. Relatively low interest rates should continue to stimulate sales of real estate, resulting in the need for more agents and brokers. In addition, a large number of job openings will arise each year from the need to replace workers who transfer to other occupations or leave the labor force. However, job growth will be somewhat limited by the increasing use of technology, which is improving the productivity of agents and brokers. For example, prospective customers often can perform their own searches for properties that meet their criteria by accessing real estate information on the Internet. The increasing use of technology is likely to be more detrimental to part-time or temporary real estate agents than to full-time agents, because part-time agents generally are not able to compete with full-time agents who have invested in new technology. Changing legal requirements, such as disclosure laws, also may dissuade some who are not serious about practicing full time from continuing to work part time. This occupation is relatively easy to enter and is attractive because of its flexible working conditions; the high interest in, and familiarity with, local real estate markets that entrants often have; and the potential for high earnings. Therefore, although gaining a job as a real estate agent or broker may be relatively easy, beginning agents and brokers may face competition from their well-established, more experienced counterparts in obtaining listings and in closing an adequate number of sales. Well-trained, ambitious people who enjoy selling—particularly those with extensive social and business connections in their communities—should have the best chance for success. Employment of real estate brokers and sales agents often is sensitive to swings in the economy, especially interest rates. During periods of declining economic activity and increasing interest rates, the volume of sales and the resulting demand for sales workers falls. As a result, the earnings of agents and brokers decline, and many work fewer hours or leave the occupation altogether. Earnings [ About this section ] Back to Top The median annual earnings of salaried real estate sales agents, including commissions, were $35,670 in May 2004.The middle 50 percent earned between $23,500 and $58,110 a year.The lowest 10 percent earned less than $17,600, and the highest 10 percent earned more than $92,770.Median hourly earnings in the industries employing the largest number of real estate sales agents in May 2004 were as follows: Residential building construction $54,770 Offices of real estate agents and brokers 37,970 Activities related to real estate 32,460 Lessors of real estate 25,840 Median annual earnings of salaried real estate brokers, including commission, were $58,720in May 2004. The middle 50 percent earned between $33,480 and $99,820 a year.Median annual earning of real estate brokers were $61,550 in offices of real estateagents and brokers and $44,920 in activities related to real estate. Commissions on sales are the main source of earnings of real estate agents and brokers.The rate of commission varies according to whatever the agent and broker agree on, the typeof property, and its value. The percentage paid on the sale of farm and commercialproperties or unimproved land is typically higher than the percentage paid for selling a home. Commissions may be divided among several agents and brokers. When the property issold, the broker or agent who obtained the listing usually shares the commission with thebroker or agent who made the sale and with the firm that employs each of them. Although anagents share varies greatly from one firm to another, often it is about half of the totalamount received by the firm. Agents who both list and sell a property maximize their commission. Income usually increases as an agent gains experience, but individual motivation,economic conditions, and the type and location of the property also affect earnings.Sales workers who are active in community organizations and in local real estate associationscan broaden their contacts and increase their earnings. A beginners earnings often areirregular, because a few weeks or even months may go by without a sale. Although some brokersallow an agent to draw against future earnings from a special account, the practice is notcommon with new employees. The beginner, therefore, should have enough money to live forabout 6 months or until commissions increase. Related Occupations [ About this section ] Back to Top Selling expensive items such as homes requires maturity, tact, and a sense of responsibility.Other sales workers who find these character traits important in their workinclude insurance sales agents ; retail salespersons ; sales representatives, wholesale and manufacturing ; and securities, commodities, and financial services sales agents .Although not involving sales, the work of property, real estate, and community association managers ,as well as appraisers and assessors of real estate, requires an understanding of real estate. Sources of Additional Information [ About this section ] Back to Top Disclaimer: Links to non-BLS Internet sites are provided for your convenience and do not constitute an endorsement. Information on licensing requirements for real estate brokers and sales agents is available from most local real estate organizations or from the State real estate commission or board. More information about opportunities in real estate is available on the Internet site of the following organization: National Association of Realtors. Internet: http://www.realtor.org OOH ONET Codes [ About this section ] Back to Top 41-9021.00, 41-9022.00 Suggested citation: Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook , 2006-07 Edition , Real Estate Brokers and Sales Agents , on the Internet at http://www.bls.gov/oco/ ocos120.htm (visited December 29, 2005 ). Last Modified Date: December 20, 2005 Occupations: Management | Professional | Service | Sales | Administrative | Farming | Construction | Installation | Production | Transportation | Armed Forces Related Links: Tomorrow's Jobs | OOH Reprints | Important Info | How to Order a Copy | Teacher's Guide to OOH Additional Links: Career Guide to Industries | Career articles from the OOQ | Employment Projections | Publications Home | BLS Home Back to Top www.dol.gov Frequently Asked Questions | Freedom of Information Act | Customer Survey Privacy & Security Statement | Linking to Our Site | Accessibility U.S. Bureau of Labor Statistics Office of Occupational Statistics and Employment Projections Suite 2135 2 Massachusetts Avenue, NE Washington, DC 20212-0001 URL: http://www.bls.gov/OCO/ Phone: (202) 691-5700 Fax: (202) 691-5745 Do you have a question about the Occupational Outlook Handbook ? Technical (web) questions: webmaster@bls.gov Other comments: feedback@bls.gov Occupations: Management Professional Service Sales Administrative Farming Construction Installation Production Transportation Armed Forces Related Links: Tomorrow's Jobs OOH Reprints Important Info How to Order a Copy Teacher's Guide to OOH Additional Links: Career Guide to Industries Career articles from the OOQ Employment Projections Publications Home BLS Home

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Indymac Bank Construction Lending Indymac Bank home   |   about us   |   contact us   |   privacy   |   ID notice   |   security   |   careers    1-800-HCL-LOAN (425-5626)   HCL for Individuals   Main Page   Get To Know Us   Get Started Now!   My Project Application   My Loan Information Loan Products   ·   Construction-to-Permanent Loan   ·   Remodeler Loan   ·   Bridge Loan ·   Lot/Land Loan Tools   ·   Line Item Budget Calculator Find A Builder --   ·   Cost To Build Calculator -- Event Calendar -- Help   ·   FAQs   ·   Glossary Customer Service --   ·   Contact Us Lot/Land Loan Found the perfect location to build your dream home ...and now you need the perfect loan? Our Lot Loan is the right loan if you're looking to purchase a residential lot to build your primary residence or second home. Once you have purchased your land, you will have time to design your new home and choose a contractor. Best of all, Indymac Bank will fund your Construction-to-Permanent Loan once you're ready to build. · Loans to $500,000. -- Frequently Asked Questions Check to view all answers. Q. How do I know where I should build my home? A. Location may be one of the most important factors to consider. Although many people have a geographic location in mind, some are open to alternatives. It's important to consider your lifestyle (and those you'll be living with) as well as the cost. If you're planning a family, schools will be important. If not, you may want to consider other factors such as proximity to work, or accessibility to the beach, the mountains or leisure activities. Q. What is a "finished lot"? A. A "finished lot" refers to a portion of land that already has road access and utilities in place to the lot boundary. Additionally, it has been approved by the city or county as a separate parcel of land on a parcel map. Q. Can I buy a piece of land that is not a finished lot and save some money? A. While it may be possible to purchase an unfinished lot, generally this is not advisable for an individual building their own home. The costs of bringing roads and utilities to the first lot in a new area are usually very high. Typically, the first person to build pays for others who will build later. There are land developers who specialize in preparing lots for building (this may include zoning and/or soils issues, as well as bringing roads and utilities to the site, and creating a building pad). Often, these lots are in a planned community. Q. What do you mean by "planned community"? Aren't all communities planned? A. No, many older communities were not planned; they evolved. Certainly, as a city has grown, plans have taken shape. But in many cases the nucleus of a community was started many years before the community or city planning existed. In many instances, it is this unplanned characteristic that gives a community its charm. A planned community, in contrast, generally offers a specific style and certain amenities at a package price. Depending on the size and location of the community, these amenities may include greenbelts, landscaping, biking trials, swimming pools, even schools and shopping centers. Some amenities, such as the community pool and greenbelts, are paid for through a homeowners' association. Others are paid through taxes or mello roos. Still others are design enhancements intended to encourage potential buyers to purchase in an area or to attract more commercial business. Many of the more costly amenities included in a planned community may not be affordable for a homeowner on an individual basis. However, some of these amenities may not be important to you. After all, priorities, like lifestyle, vary. If you select a home in a planned community, you'll generally have a more structured community where decisions are made jointly rather than by the individual homeowner. These community decisions include individual home design and landscaping. While some homeowners may consider this an acceptable trade-off to ensure an attractive environment, others may consider it an infringement on their rights. It's important that you know how you feel before selecting the type of lot you want. Q. Can tax bases differ within the same community? A. Yes, they can. While some cities already have parks, schools, and streets, newer communities built within the same city may have special assessments that cover the costs to develop or maintain new or existing parks, schools, streets, etc. These assessments may be for a prescribed period of time or may continue indefinitely. A little research goes a long way. Here again, a good real estate agent or title company officer can often provide you with this information. Q. I've found the perfect location, but I'm not ready to build my dream home. Can I obtain financing for the land only? A. Yes, you can obtain a Lot Loan. Typically, this is short-term financing for the purchase of a residential lot suited for future construction. This loan allows you time to select an architect, builder, and design your dream home. IndyMac Bank's Lot Loan program allows you to finance up to 50 acres. And when you're ready to build, we offer a one-time close Construction-to-Permanent Loan. ^ back to top Still have questions? Call toll-free 1-800-HCL-LOAN (425-5626) to speak with a construction loan specialist, or downloada copy of our booklet (pdf) that answers the most frequently asked questions about building your own home. Information Center · Glossary · FAQs -- FAQs · Get To Know Us · Building Your Dream Home Magazine (pdf) · Owner Builder Guide (pdf) Consumer Guide to Construction Financing (pdf) Did You Know A Construction Loan Is A Reimbursement Loan? (pdf) subscribe now -- Get Started Now! Apply online 24 hours a day, 7 days a week, and get a loan approval in minutes! get started -- e-mail/mail us | 1-800-HCL-LOAN (425-5626) Licensing | Terms of Use | Site Feedback -- Licensing | Terms of Use | Site Feedback Licensing | Terms of Use | Site Feedback -- Licensing | Terms of Use | Site Feedback -- ©2005 IndyMac Bank, F.S.B. Registered trade/service marks are the property of IndyMac Bank, F.S.B. and/or its subsidiaries.

Denver Real Estate Site

Search Denver MLS real estate; Colorado relocation information Relocation buyers need extra help, learning about the area, schools, drive times and finding the best neighborhood to suit your lifestyle isn't easy. I can assist you with a relocation package tailored to your needs. [ Click Here for More ] Personalize your search and have results delivered to your inbox daily. This HomeFinder service is the most popular of all. [ Click Here for More ] Select featured homes offering a virtual tour, so you can enjoy a tour from the comforts of your home anytime, day or night. [ Click Here for More ] only search Denver Real Estate Site Denver Real Estate Listings Never miss out on a new property again! Your criteria needs to be input to the following forms. Once completed the entire data base of the Denver Metro List will be searched. You will NOT receive an immediate response. The data is sent to a third party company, hired by me; you will receive and e-mail with the matches that fit your criteria. Hints for submitting; Try not to be VERY specific when inputting lot size, age, square footage. If you have any questions at all, e-mail me for assistance. In a short time I can help you, saving you time and trouble! Be precise with your e-mail address Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog

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Boston.com / Real estate Buying Renting Recent sales Place an ad Luxury Living Community data Financing Commercial Moving Guides How to solve appraisal problems By Inman news MORE Having an appraisal done on your home is essential, whether or not you plan on selling. Loan calculators NEWS LINK NEWS LINK RESOURCES For Sale: Homes | Condos | Open Houses For Rent: Apartments | Houses | Roommates Vacation rentals Place an ad: On Boston.com | In the Globe Commercial: Search listings for sale or rent An appraisal is a dispassionate, third-party estimate of the value of a piece of property. It can either give you peace of mind by affirming your offering price or it can put the kibosh on a transaction entirely. As part of your loan application, you will pay for your lender (typically $200 to $400) to order an appraisal to estimate the current market value of the home you want to buy. You may also opt to hire an appraiser yourself before you make an offer to help you determine the price you bid on a house. Lenders require appraisals before they will approve and fund a loan in order to ensure that the home is worth the amount of money you are asking for. While most appraisals match up with what buyers want to borrow, some do not, which can send a lender backing out of your loan commitment. Understanding how real estate appraisals and appraisers work can help you deal with the consequences. Why do appraisals go awry? Most appraisal problems boil down to two things: incomplete information on the property or incompetence of the appraiser. Incomplete information often comes with the appraisal territory. All appraisals must conform to guidelines set by the Federal Reserve, but ultimately every appraisal is a subjective analysis of a property's current market value. To arrive at that number on your house, an appraiser will compare your house with that of three comparable homes in the area that have sold within the past six months and adjust for differences in the properties. They will photograph, measure and inspect the home (do NOT consider this your home inspection, however) to help them make their comparisons. But true market value can be difficult to ascertain in markets where prices are volatile and properties widely vary. Incompetence in the field can cause appraisal problems, too. Not all real estate appraisers are created equal in terms of licensing and education. While federal licensing requirements for everyone are being phased in, only about half the states currently require appraisers to be licensed, though most states do require appraisers to pass a written examination and have 75 hours of continuing education and 2,000 hours of direct experience. Inexperience can be a big culprit in a problem appraisal, so can downright incompetence. Boosting the appraisal A lender probably will reject your loan application if the appraisal of the property comes back lower than the asking price. But you can fight a low-ball appraisal. Here's how: Get a copy of the appraisers report. You can successfully argue to raise the estimated value if you show that the report overlooks a valuable feature of the home or failed to consider the recent sale of comparable property for a higher price. Take your case to your loan representative. The lender can override the estimate or order a new report from a different appraiser. Try to renegotiate with the seller. The seller may be willing to accept less than you originally agreed to pay in order to avoid the time and cost required to cancel the sale and put the house back on the market. Increase your down payment. The lender may be willing to overlook a low appraisal if you put more money down. Find a good appraiser Ask your lender for the names of appraisers they know, trust and have on their list of approved appraisers. You also can check with one of several national appraisal organizations for names of local appraisers who are members in good standing. Look for an appraiser who can do your appraisal in a timely manner and who has experience in the area you want to buy. This can help speed things along, and assure you of an accurate appraisal. TIP: If you do choose an appraiser from your lender's list to check out a house, and you end up making an offer, you may not have to pay again for the required loan-application appraisal. Quick Take If you have any question about the value of the house you are bidding on, add an appraisal contingency to your purchase offer. This provision stipulates that the property must appraise for at least the purchase price you're offering. If the appraisal comes in lower, you can back out of the deal or renegotiate price. feedback | help | site map | advertising | globe archives | rss © 2006 The New York Times Company Real Estate Guide - Massachusetts Home Builder - New Home Construction

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Free information about buying French property - www.day-tripper.net £1 = 1.40 € Discount Tobacco In Adinkerke Book Hotels 1st Shop In Adinkerke Adinkerke Route 66 Tobacco Alley Tobacco Exit-5 Smokey's In Luxembourg Brazza Page Menu - Property Shows - Workshops - how to - Points to consider - buying - Terms - Land Measurements - SIRET numbers - Services - About us - Related pages Advertising Books / Maps Channel Hoppers Guides - £5.79 Related Pages - Property to Buy - Property to Rent Property to Buy - Points to consider when buying - Property Shows - Estate Agents - - Useful Words/Phrases Services - Architects - Builders / Property Maintenance - Finance - Foreign Exchange - House Insurance - Notary - Removals - Solicitors - Estate Agents - Other information - Hotels in France - French Tourist Offices New to Day-tripper.net? More About Eurotunnel Eurostar Norfolkline PO Ferries Seafrance Speedferries Updated: 24/9/05 Information on buying property (gites, cottages, chalets) in France - www.day-tripper.net the web magazine for visitors to France. French Property for sale Our interest is in the North West of France, in the departments of Nord (59), Pas-de-Calais (62), Picardie (80), Normandy - Seine-Maritime (76), Calvados (14), Manche (50), and Brittany - Ille-et-Vilaine (35), Côtes d'Armor (22), Finistère (29). If you are looking to buy or sell property in this part of France this page will give you the details. If your property is within 45 minutes drive of the port and you would like your gîte or apartment details to appear on this page - e-mail us with your details. We advertise properties for free, although a detailed page can be created with photographs and other details for which there is a charge ( more details ). ZEImmo , 41 rue de Boulainvilliers - 75016 Paris France. Tel: 0033 6 21 07 67 69 Book a fare - www.bestferryfares.com P&O Ferries Norfolk Line Useful outside links www.nexdom.com - Immobilier in France. www.french-property-news.com - French Property News. www.ouicanhelp.com - Any problem, anywhere, any time. www.french-property.com - . - www.infobilan.fr - SIRET numbers. Check if your artisan is legally registered and entitled to work in France. - www.apcm.com - Chambres de Métiers. - www.artisanatweb.com - About artisans in France. - www.avf.asso.fr - Settling in in France? This organisation can help. Aims include: To provide a “welcome service” for anyone who has moved to a new area. To help newcomers to meet new people. To improve the quality of life of each town and to contribute to the development of the region. AVF is a national association with 400 local branches throughout France, run by trained volunteers. - www.saynoto0870.com . www.dominican-republic-real-estate.net - Property for sale in Dominican Republic. North France - Nord (59), Pas-de-Calais (62), Picardie (80) Normandy - Seine-Maritime (76), Calvados (14), Manche (50) Brittany - Ille-et-Vilaine (35), Côtes d'Armor (22), Finistère (29) Riberac, Dordogne - Lectoure, Gers Calculation tools ( conversion tools ) Calculators (Entenial) Area Conversion Mortgage Calculator (Entenial) Notary Expenses (Entenial) Estate Agents Highly regulated in France, Estate Agents must be professionally qualified. Displayed in their office must be; his/her professional Charter (The Charter of Property and Business Transactions), Financial Guarantee document for at least 328,000 euro (if it is less than 328,000 euro he is not entitled to handle a clients money). Federation of Estate Agents (France); www.fnaim.fr . Pas-de-Calais Boulogne - Dieppe - Le Havre - Roscoff - Saint Malo France 123immo SA , 8 rue Jean Jaurès. 81470. Cuq-Toulza. France. Tel: 0033 826 00 31 31. Fax: 0033 563 70 82 86. Abbott Management (property search Provence), Tel: 020 7225 1995. Fax: 0207 225 1905. Fax: 0207 7225 1905. Agence Globe (Gers, Lot and Garonne), Tel: 0033 562 59 01 46. Fax: 0033 562 59 01 47. Agence Hamilton , Tel: 0033 468 72 48 38. Fax: 0033 472 62 26 68. Authentic France, 27 Gresham Road, London. E6 6DS. Tel: 020 8471 8600. Fax: 020 8471 8600. Agence Pierre Chretien - JB Transactions (Auvergne), 4 rue Montgolfier, 63600. Ambert. France. Tel: 0033 473 82 16 74. Fax: 0033 473 82 28 86. Agence Vallée des Rois (Loire Valley), rue de l'Hotel de Ville, 49250. Beaufort en Vallée, France. Tel: 0033 241 45 22 22. Fax: 0033 241 57 13 21. AGERIM Côte d'Azure, 6, av. de Suéde, F-06000, Nice. France - . Tel: 0033 497 03 04 05. Fax: 0033 493 88 26 26. AIMS INTERNATIONAL , Le Bourdonne, 53640. Le Horps. Mayenne, France. Tel: 0033 243 04 26 99. Alpine Apartments Agency, Tel: 01544 388 234. Alpine Residences (Alpine areas), 5 Sky Business Park, Eversley Way, Egham, Surrey. TW20 8RF. Tel: 01784 471 377. Fax: 01784 435 248. A House in France Ltd., - Tel: 020 8959 5182. Fax: -. Beaches International, Tel: 01562 885 181. Brittany - Tel: 0871 717 4163. Charente - Tel: 0871 717 4164. Normandy - Tel: 0871 717 4162. - Collot Immobilier , 7, rue Dragut, 20137 Porto Vecchio. Tel: 0033 495 70 30 47. Fax: 0033 495 70 30 47. (CORSICA) Sue ELLIOT , . Tel: 0033 553 61 91 89. Fax: -. Erna Low, Tel: 020 7584 2841. Francophiles, . Tel: 01622 688 165. Fax: -. FRENCH DISCOVERIES CHARENTE , . Tel: 0033 545 37 69 90. Fax: 0033 545 37 69 99. www.frenchpropertylinks.com , - FrenchProperty Service , property for sale on the net. - French Property Shop (South West France), Clergyhouse, Churchyard, ashford. TN23 1QG. Tel: 01233 666902. Fax; 01233 666 903. Hamptons, Tel: 020 7589 8844. Hexagon France Limited, Webster House, 24 Jesmond Street, Folkestone. Kent. CT19 5QW. (Brittany, Normandy, Pas-de-Calais, Picardie). Tel: 01303 221 077. Fax: 01303 244 409. J. B. French Houses (Brittany & Normandy), Tel: 02392 297 411. KBM Consultancy (Most regions), Unit C, South Cerney Business Estate, Broadway Lane, South Cerney. Glos., GL7 5NX. Tel: 08700 11 31 41. Fax: 08700 11 32 42. E-mail: Leigniel Immobilier, agence de Sens (Bougogne), 14, Place Victor Hugo . Tel: 0033 386 65 20 58. Fax: -. Latitudes French Property Agents , Grosvenor House, 1 High Street, Edgware. Middlesex. HA8 7TA . Tel: 020 8951 5155. Fax: -. Le Lion immobilier , 34, place du Lion d'Or. 59800. Lille. Tel: 0033 320 13 81 81. Fax: 0033 320 13 85 84. (Lille) Live France Group (Languedoc, Normandy and the Midi-Pyrénées), Tel: 0871 717 4143. in France, +33 (0)4 68 45 69 19. Maison Individuelle, Tel: 01707 376 255. Moore Direct Properties, 9 rue d'Auray, 56150. Baud. France. Tel: 0033 297 08 01 75. Fax: 0033 297 08 01 76. Normandy Search Agent, Tel: 0033 231 93 97 43. North and West France Properties - . Tel: 020 8891 1750. Fax: 020 8891 1760. Papillon Properties, Tel: 01799 527 809. Paris Dream Home , Tel: 020 7820 1337. PARIS PROPERTY OPTIONS, 19 Warrior Gardens, St Leonards-on-Sea, East Sussex. TN37 6EB. Tel: 01424 717 281. Fax: 01424 722 387. Properties in France , La Croix de Noël. 49390. Mouliherne. France. Tel: 0121 744 0820. Fax: -. PROPERTIES 47 LTD. (Lot-en-Garonne, Gers, Beziers), Piquepe, 47130. Bazens. France. Tel: 0033 553 95 86 23. Fax: 0033 553 95 22 58. Purlow's Gascony. Tel: 0033 562 67 61 50. Real Estate Languedoc - Agence Immobilière, 35, rue de la Fontaine. 34480. Saint-Geniès-de-Fontédit. FRANCE. Tel: 0033 467 36 34 28. Fax: 0033 467 36 34 02. La Résidence , 17 St Martin's Street, Wallingford. Oxford. OX10 0EA. Tel: 01491 838 485. RURAL RETREATS (Languedoc), Tel: 01524 812 359. Fax: 01524 812 662. Sifex (Southern France), . Tel: 020 7384 1200. Fax: 0207 384 2001. SIMONS (most regions) - PO Box 1737, Fordingbridge, Hampshire. SP6 3QN. Tel: 01425 653 355. Fax: 0870 705 8458. SINCLAIR OVERSEAS PROPERTY NETWORK , The Business Centre, PO Box 492, Leighton Buzzard, Beds., LU7 7WG . Tel: 01525 375 319. Fax: 01525 851 418. Snow & Sea, Tel: 020 7494 0706. Time on Your Hands , Property Search (Calvados, Charente-Maritime, Haute-vienne, Limousin, Poitou-Charente, Provence, Vendée). Transaxia - La Châtre, 178 Route Nationale, 36400. La Chatre . Tel: 0033 254 06 00 60. Fax: -. VEFUK , Tel: (UK) 020 7515 8660. Fax: -. VIALEX INTERNATIONAL IMMOBILIER LTD. , Rue Messager, 47470. Beauville. France. Tel: 0033 553 95 46 24. Fax: 0033 553 95 46 25. WATERSIDE Properties International Ltd. , . Tel: 01892 750 011. Fax: 01892 750 033. ZEImmo 41 rue de Boulainvilliers. 75016. Paris. France. Tel: 0033 6 21 07 67 69 Sort of properties offered 1 - Country house with pool (Tarn) 2 - 16th Century Chateau (Haute Garonne) Fax: 0033 - Web Site; www.zeimmo.com Area; All France. A placing like this from £100 a year - more Finance - Abbey National , Les Arcades de Flandre, 70 rue Saint Sauveur, 59046. Lille. Tel: FR. 0033 320 18 18 17. UK 0800 169 8470. Fax: 0033 320 18 18 55. Free Guide call 0033 320 18 19 80 or freephone 0800 169 84 70. Banque Scalbert Dupont, 9, Rue Royale, BP 182, 62104. Calais. Tel: 0033 321 19 11 96Fax.; 0033 321 97 44 56. Barclays France, Champs Elysées International Branch, 6 Rond point des Champs Elysées, 75008. France. Tel: 0033 1 44 95 13 80. Fax: 0033 1 42 25 73 60. UK 020 7977 4359. - Conti Financial Services , 204, Church Road, Hove, East Sussex, BN3 2DJ. England. Tel: 01273 772 811. Fax: 01273 321 269. - Credit Agricole , 14050. Caen. Cedex, France. Tel: 0033 231 55 67 89. Entenial (French Company) - French Mortgage Connection , Tel: 0800 0745 388. MFS Partners, Tel: 01752 664777. Norwich & Peterborough. Tel: 01733 372 006. Kevin SEWELL Mortgages , Tel: 01380 739 198. Fax: 01380 723 249. - Moneycorp Commercial Foreign Exchange , 2 Sloane Street, Knightsbridge. London. SW1X 9LA. Tel: 020 7823 7800. - Mortgage France , La Fraye Touarte, Route de Gréolières CD6. 06480. La Colle sur Loup. France. Tel: 0033 493 32 13 95. Siddalls Financial Services Ltd ., Lothian House, 22 High Street, Fareham. Hampshire. PO16 7AE. Tel: 01329 288 641. Fax: 01329 281 157. Templeton Associates , Rivers Street Place, Julian Road , Bath BA1 2RS. Tel: 01225 422 282. Fax: 01225 422 2879. Woolwich, Tel: 020 8298 4400 Foreign Exchange ( exchanging money ) Caxtonfx , 2 Motcomb Street, London. SW1X 8JU. Tel: 0845 658 2223 / 0207 201 0509. - Currencies 4 less. Bakery Place, altenburg Gardens, London SW11 1JQ, England. Tel: 020 7228 7667Fax.; 0207 228 76 78. Web; www.currencies4less.com . Foreign Currency Direct Ltd. The Old Malt House, Currencies Court, Old Amersham. Buckinghamshire. HP7 0HL. Tel: 0800 328 5884 / 0044 1494 725 353. Fax: 01494 727 041 / 0044 1494 727 041. Web; www.currenciesdirect.com . Foreign Payments, West End Office, Foreign Payments Limited, 34 South Molton Street. Mayfair. London. W1K 5RG. City Office, Unit 18, St. James's Park Underground Station. 55 Broadway. London SW1H OBB. Tel: 020 7344 9111. Web; www.foreignpayments.co.uk Halewood International Foreign Exchange (HIFX Ltd), Mistress Pages House, High Street, Windsor. Berks. SL4 1LD. Tel: 01753 859 159. Fax: 01753 859 169. Sucden (UK) Limited , 5 London Bridge Street. London. SE1 9SG. Tel: 0207 940 9663. French terms ( more property words/phrases ) Acte de Vente - Deed of sale Compromis de vente - commitment to sell (binds seller and buyer) Conditions suspensives - a condition that states the contract will only become binding if certain things happen. Mandate Exclusive - a mandate where the vendor entrusts all the negotiations to a single agent for a specified period. Mandate Simple - a mandate where the vendor still reserves the right to negotiate in the sale. Notaire - lawyer Promesse de vente - promise to sell (only binds seller) House Insurance ( Travel insurance ) Agence Eaton, Continent Assurances, 28, rue du Lt. Col Maury. BP285. 56008. Vannes Cedex. France. Tel: 0033 297 47 31 97. Andrew Copeland Group, Tel: 020 8656 8435 (property), 020 8656 2544 (motor). Enterprise Tredinnick, Tel: 0033 545 82 42 93. Hiscox Insurance , Tel: 0845 741 3551. London & European Title Insurance Services, Blagrave House, 17 Blagrave Street, Reading. Berks. RG1 1PW. Tel: 0118 957 5000. Fax: 0118 950 5030. Land Measurements When buying a house in France land is usually quoted in Hectares 1 Hectare = 10,000 square metres = 2.5 acres (approx) 8,000 square metres = 2 acres (approx) 4,000 square metres =1 acre (approx) 2,000 square metres = 0.5 acres (approx) 10 Ares =1000 square metres = 0.25 acre (approx) 1 Are = 100 square metres Magazines for French Property Buyers - Notaries A Notary in France is a public officer responsible to the Ministry of Justice. They have to ensure that all the requirements of French Law are satisfied, and that all taxes are paid. They cannot advice you and you should consider engaging your own solicitor. When you buy a property in France the money is always paid directly to the Notary, not the vendor. Title deeds must also be signed in front of a Notary. Other Measurements Plumbing and Central heating - copper pipe sizes in France (outside daimeter sizes) WC Basin Bidet Shower Bath Sink 10mm 12mm 12mm 14mm 16mm 14mm Equivalent sizes relating to British Standard Pipe Threads (BSP) are as follows; 1/4 BSP 3/8 1/2 3/4 1 inch 1 1/4 1 1/2 8/13 mm 12/17 15/21 20/27 26/34 33/42 40/49 Points to consider when buying See as many properties as possible Choose a lawyer who speaks French and understands the French legal system Be aware of the inheritance laws before you sign any document Remember that the notaire acts for both parties Don't even think of gazumping - it's illegal in France. Once an offer has been accepted, no others will be considered. Once the deposit is paid the deal is binding Estate agents fees can be split between the vendor and the purchaser. Check before you proceed. Always check the cost of installing services should they be needed - it could be prohibitive. Add about 10% of the purchase price as a guide to buying costs. There is no leasehold in France so find out about management arrangements when buying a flat. Property Shows Free tickets on 01323 726040. www.french-property-news.com . Property Taxes There are two taxes on all residential property (houses and flats). These are collected by the State for the local authority's. These taxes are assessed at individual rates according to location and can vary substantially. Ask your estate agent for these details when you are looking at properties to buy. 1 - Taxe foncière. As the owner of a property on the first day of January, you are liable for paying this tax which is due for payment by October/November. Penalties or fines are added for late payment, but it is possible to arrange a monthly payment scheme. 2 - Taxe d'habitation. The occupant of the property on the first day of January is liable for paying this tax. Even if you only use the property on occasional visits, if it is furnished and supplied with water and electricity you are liable for this tax. Swimming Pools Eau Sparke , 24700. St. Remy sur Lidoire. France. Tel: 0033 535 82 06 39. PBL (Piscines, Bateaux, Loisirs), Rue Joseph Arnal - ZAE de Bresles. 60510. Bresles. Tel: 0033 344 07 00 98. Fax: 0033 344 07 12 09. Splash Pools, Platts Road, amblecote. Stourbridge. DY8 4YR. Tel: 01384 390 380. Installation throughout France. Workshops / Courses Living France - Living France Magazine runs a serie sof workshops for people interested in buying a property in France. French Magazine - Home Buying France, courses at UK locations. Other Information The Federation of International Property Developers and Agents. Tel: 020 8941 5588. Ideas for housebuilding (in French) - www.ideesmaison.com . - www.avf.asso.fr - Settling in in France? This organisation can help. Aims include: To provide a “welcome service” for anyone who has moved to a new area. To help newcomers to meet new people. To improve the quality of life of each town and to contribute to the development of the region. AVF is a national association with 400 local branches throughout France, run by trained volunteers Services - this section lists many companies, services and individuals who may be of assistance when buying a property in France. Architects Cedric Mitchell Architects , Tel: 01834 831 100. Builders / Property Maintenance - Artisan Anglais. Find an English speaking artisan in France. British Builder, Tel: 0033 321 09 15 25. La Garde Maison, Tel: 0033 243 00 69 47. Gites 'R' Us, Tel: 01526 353 765. Le Manche Property Services, Tel: 0033 233 91 62 84. Welby (Brittany), Tel: 0033 296 87 57 37. - Rural Rénovations , L'Oriardiere, 53700 St Germain De Coulamer. France. Tel: 0033 243 0349 94. Fax: 0033 243 03 49 94. S&G Surveillance & Gardiennage - (Brittany), 11, Bis rue de Rosiers. 50800. Sainte-Cecile. Villedieu-les-Poeles. Welby (Brittany), Tel: 0033 296 87 57 37. SIRET numbers Check if your artisan is legally registered and entitled to work in France. - www.infobilan.fr - Type in the number to see if it is legal. www.cofacerating.fr - Surname, name and number checked. - www.infogreffe.fr - Surname, name and number checked. - www.societe.com . Quite a detailed check. What is a SIRET number? Information from - www.artisan-anglais.com. The SIRET number is an identification number for each French business. It is unique to that business and legally linked to a particular person. If several people engage in similar activities at the same geographical location then each must have their own SIRET number. The SIRET number is also linked to the geographical site as well so the same legal person should get a different SIRET number if his activity takes place in several different locations. It is set up by the INSEE (Institut National de la Statistique et des Etudes Economiques ) in the framework of the system SYRENE. (Système National Informatique pour le Répertoire des Entreprises et des Etablissements) The SIRET number is made up of several different identifiers and is unique to the particular business. Companies (entreprises) who run several businesses in different areas must have a SIRET number for each business and different establishments who work individually in the same location must also have individual SIRET numbers. The SIRET consists of 14 digits. The first 9 numbers are the SIREN number for the business. The first 8 digits have no significance except for administrative purposes and to organisations such as communes, fiscal offices etc. They identify the business as well as its location on the national list. The ninth digit is a check digit and has no link to the characteristics of the type business concerned. The SIREN is only issued once and removed from the list as soon as the business ceases to function, the owner dies or the business is dissolved. As it is legally linked to an individual, it is not transferred. The second part of the SIRET number is the NIC (Numéro Interne de Classement) which consists of 5 digits. The first 4 identify the business (or one of several businesses in the case of an enterprise running several establishments) The 5th digit is another check digit to validate the complete 14 number code. All registered workers should be immatriculated with the Centres de Formalités des Entreprises (CFE) at their local Chambres de Commerce, Chambre de Métiers, Tribunaux de Commerce, or the URSSAF, Services Fiscaux, or regional office of the INSEE. The only real ways to check if someone is registered for all trades they advertise are: 1. Ask to see his/her "carte d'indentification" issued by the local Chambre de Metiers which lists the trades on the card. This is a white card with green writing on the cover, and everyone has to have one. 2. Contact the Chambre des Metiers and ask direct. 3. Ask to see insurance documents for responsabilité civile and decennial which are the two obligatory insurances in France. The insurance document will show and list the items or trades which the artisan is insured to undertake. Electricity, Gas, Water & T.V. - Electricité de France , 2, rue Louis Murat. 75384. Paris. Tel: 0033 140 42 22 22. - Gaz de France . - Générale des Eaux , National domestic water supplier. T.V. - Aerial Techniques , 59 Watcombe Road, Southbourne. bournemouth. Dorset. BH6 3LX. Tel: 01202 423 555. Fax: 01202 425 055. - France Telecom . Removals Anglo French Removals, Tel: 01622 729 911. H. Appleyard & Sons, Denby Way, Hellaby Industrial Estate, Rotherham. Yorks. Tel: 01709 549 718. Fax: 01709 700 649. Armishaws, tel 01963 34065 / 0208 995 3350. Bishop's Move Group , Tel: 020 7498 0300. Fax: 020 7622 1794. Bradshaw International , . Tel: 0161 946 0809. Burke Bros ., Tel: 0800 413 256. Fax: 01902 427 837. Cotswold Carriers , Unit 2, The Walk, Hook Norton Road, Chipping Norton. Oxon. OX7 5TG. Tel: 01608 730 500. Fax: 01608 730 600. Callington Carriers, Valentine Road, Callington. Cornwall. PL17 7DF. Tel: 01579 383 210. David Dale Removals , Dale House, Forest Moor Road, Harrogate. HG5 8LT. Tel: 01468 691 571. Ede Bros. , Tel: 01306 711 293. Fax: 01306 711 765. E.R.S. Ltd., Tel: 0033 553 93 75 52 Farrer & Fenwick Removals, Park House, 34 Bridge Street. Walton on Thames. Surrey. KT12 1AJ. Tel: 01932 253 737. French Connexion, Tel: 01935 872 222. French Moves, Tel: 0033 553 01 46 92. Home to Home, Tel: 0800 783 4602. www.internationalhouseremovals.com , Leicester. LE7 4TF. Tel: 01664 424 949. Fax: 01664 424 919. Langdon Removals, Tel: 0117 963 7404. Lawlers Removals , Tel: 0114 275 10 20. Metro Removals, Orion Way, Kettering. Northants. NN15 6NL. Tel: 01536 519 450. Pink & Jones, Tel: 01536 512 019. Richman-Ring Ltd. , Tel: 01795 427 151. - Removal Group , 46-48 Mere Green Road, Sutton Coldfield. Birmingham. B75 5BT. Tel: 0870 240 7432. Fax: 0121308 0810. Robinsons International Moving & Storage, Nuffield Way, abingdon. Oxon. OX14 1TN. Tel: 01235 552 274. Fax: 01235 553 573. Steele Removals , Tel: 0500 135 777. The Personal Moving Service, Tel: 0033 233 35 31 80. Security Marine Security - Tel: 01626 365 282. Mobile; 07957 384 896. Solicitors For a list of French speaking solicitors ring the Law Society of England & Wales. Tel: 0870 606 6575. Blake Lapthorn Solicitors ; Tel: 020 7430 1709. Headon Consulting , Moulin de Lahontan, 32360. Jégun. Gers. France. Tel: 0033 562 68 00 81. Fax: 0033 05 62 68 01 49. Fox Hayes , Leeds. Tel: 0113 209 8922. Pannone & Partners solicitors , Tel: 0161 909 3000. John Howell & Co., 17 Maiden Lane, covent Garden, London. WC2E 7NL. Tel: 020 7420 0400. Fax: 020 7836 3626. Prettys Solicitors , Elm House, 25 Elm Street, ipswich. Suffolk. IP1 2AD. Tel: 01473 232 121. Fax: 01473 230 002. Riddle Croft & Co. Solicitors , 27 St Helen's Street, Ipswich. Suffolk. IP4 1HH. Tel: 01473 384 870. Fax: 01473 384 878. Russell Cooke Solicitors , 2 Putney Hill, Putney. London. SW15 6AB. Tel: 020 8789 9111. Fax: 0208 780 1679. Sean O'Connor & Co. Solicitors, 2 River Walk, Tonbridge. Kent. TN9 1DT. Tel: 01732 365 378. Stephen Smith (France) Ltd ., 161 Cemetery Road, Ipswich. IP4 2HL. Tel: 01473 437 186. Fax: 01473 436 573. Withers Solicitors, Tel: 020 7936 1000. Site Menu Property Homepage Architects Builders Estate Agents Finance Foreign Exch. Insurance Notaries Other Info. 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