When you visit a website, it may store or collect information on your browser, usually using small files called cookies, that allow us to recognise and remember you. Find: stone properties for rent at the best prices Without this income stream, we will not be able to buy as many sites as we have been at a time when the sector should be expanding quickly to meet increasing demand. Enjoy all the benefits of a McCarthy & Stone retirement community at Isabella House with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). I understand that consent isn't a condition of purchase for any product or service and that I can opt out at any time. Do you want to get more information from McCarthy & Stone. Helping you move. Find the best offers for your search houses to rent flat mccarthy stone. 16 December 2013 at 3:28PM edited 30 November -1 at 12:00AM in House Buying, Renting & Selling. Sold house prices. Enjoy all the benefits of a McCarthy & Stone retirement community at Louis Arthur Court with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term) Plus, your rent includes all of the development's service charges. We are delighted to be able to offer a range of these outstanding unfurnished retirement apartments for rent in various locations across the UK. McCarthy and Stone use a third party to buy your house and then – seemingly generously – top the figure up, and discount the flat you are buying by a small amount. What is somewhat surprising is that their market offer has hardly changed in all that time and is still essentially selling the same product. Plus, your rent includes all of the development's service charges and ground rents, Enjoy all the benefits of a McCarthy & Stone retirement community at Meadowsweet Place with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). This helps pay for the building of their communal areas. 1 Bed Flat For Rent Queen Street Arundel BN18 9NZ, Arundel, Arun, West Sussex, South East . Ground rents in retirement properties have always been high – for no reason whatsoever as they are for no service. 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. Up to 1 month‘s rent free (t&c‘s apply)show homes now opentuesday - saturday. our shared spaces include communal lounges, restaurants, mobility scooter rooms, well-being suites, guest suites and staff accommodation. Our fair and stable ground rents provide a one-off contribution of c.£600,000 on average per development. They have over 40 years’ experience in the industry and, during this time, they’ve built over 56,000 homes across 1,200 developments. Report. We believe there is a strong case for retirement communities to be exempt from the proposed reforms and to continue to charge fair and stable ground rents. Find out more about marketing cookies here. The Government’s plans, including providing different payment options, remain proposals and are subject to the ongoing legislative process. 83% of over 65s would rather pay a ground rent of c.£500 a year to a higher purchase price of c.£15-£18,000. at any time. It seems to take ages to get things done in a reasonable time. Our purpose. They are tightly regulated by national legislation and must relate to the management services provided within the development, not the building costs. However, if you would like to, you can 1 bed. Report. Welcome to McCarthy & Stone Resales. Hello, my mum who is 91 has decided to stay in the care home where she is currently … For 40 years we’ve been building top-quality apartments in desirable locations tailored to all lifestyles needs. McCarthy & Stone set to raise £300m for rental strategy By Guy Montague-Jones 2019-11-07T09:13:00 McCarthy & Stone is looking to raise about £300m for a fund that will invest in its growing portfolio of rented retirement flats. 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. McStone made four per cent of its revenues last year from ground rent sales. I was told that it was because the rental business was new to McCarthy & Stone and the information given was relevant to buying an apartment rather than rent. If you do not allow these cookies, you may see more content and adverts that do not match your interests. For many people, renting provides a quick, easy and flexible way to enjoy all the advantages of life in a beautiful McCarthy Stone apartment. P. Property Wide 30+ days ago. Churchfield Road, Walton-On-Thames, Surrey, KT12, Enjoy all the benefits of a McCarthy & Stone retirement community at Edward Place with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term) Plus, your rent includes all of the development's service charges and parking space, Enjoy all the benefits of a McCarthy & Stone retirement community at Neptune House with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). Each and every property is designed with one thing in mind – to make your life easier – and all our resale apartments are built to the highest standards. 1 reply 677 views thestens Forumite. FAQs. Plus, your rent includes all of the development's service charges and ground rent, Serpentine Road, Cleckheaton, West Yorkshire, BD19, Enjoy all the benefits of a McCarthy & Stone retirement community at Brooke Dene Court with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). As part of the exemption, the Government is proposing to provide older people with a choice of how to pay for their retirement property. Property to rent Student property to rent Where can I live. This will be subject to various controls, including full explanations, no charges, independent legal advice and a complaint or redress mechanism. Ground rents are not the same as service charges. * If you live in a Lifestyle Living development your service charge includes: The average apartment in Folkestone has gone up in price from £137,000 to £162,000 since 2007 – so why is the McCarthy & Stone flat potentially going for less than the price of … Purchasers will be provided with a choice of either paying a higher sale price at a ground rent of £10 per annum or a lower sale price with a specified economic ground rent. Shared areas in retirement communities account for c.30% of total floorspace, much more than mainstream flats. Find: stone properties for rent at the best prices Commercial. Price on application . 233 posts. The one very positive thing is the help and comradeship that is provided by our House Manager Sadia Chant. It has agreed 101 rentals, 21 rent-to-buy and 47 shared . During Covid-19; How it works . Communal riverside garden and parking... £800 . A family selling a McCarthy and Stone retirement flat with a rip-off lease condition have been saved £25,000 after the case was taken up by LKP. The property benefits from a lift to all floors a superb shower room and... £130,000. For many people, renting provides a quick, easy and flexible way to enjoy all the advantages of life in a beautiful McCarthy Stone property. It was formed by John McCarthy and Bill Stone, who became partners in 1975, and focussed on building retirement properties from 1977. We couldn't find what you’re looking for right now. The developer reported net reservation rates of seven per week across 70 developments. Touchstone is working closely with McCarthy & Stone, the UK’s leading retirement housebuilder. change your cookie settings The proposed reforms in December 2017 had an immediate impact on our business and reduced our ability to compete for new land. It will have a marked effect on McCarthy and Stone, according to an article in the Daily Telegraph. We therefore use ground rents differently to mainstream housebuilders as they underpin the viability of retirement developments. Plus, your rent includes all of the development's service charges, Enjoy all the benefits of a McCarthy & Stone retirement community at Ryland Place with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). Service charges cover the day-to-day costs of management and maintenance within our developments, such as the heating and cleaning of communal areas, buildings insurance and redecoration. Plus, your rent includes all of the development's service charges, London Road, St. Albans, Hertfordshire, AL1, Enjoy all the benefits of a McCarthy & Stone retirement community at Eleanor House with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). A homeowner’s guest or guests are welcome to stay for as long as the suite is available and paid for and costs are typically £25 a night, which goes to the homeowners, not McCarthy & Stone. 1 bed. Examples of this include setting your privacy preferences or filling in forms. Properties; Services; Friendship and fun; Types of developments. 1 br. If you’d like to sell your McCarthy Stone property call: Find out all you need to know about the Government's proposals to reform ground rents and how they help pay for the construction of shared areas in retirement communities. At this stage, we anticipate that construction will commence in the Spring of 2016, with plans and prices available early in 2017. £1 million – the cost of building shared areas in Retirement Living developments. These purpose built retirement homes save you the hassle and stress of maintaining your home. Removing ground rent income from retirement communities will hit the sector hard. There are a range of shops available, including national and independent retailers. We are happy to agree to this proposal as it puts the consumer in full control of how they wish to pay. Request Details. Inspire. Digital or McCarthy & Stone. No changes are therefore planned to our ground rent terms until this process is concluded. Close. Great places to live. P. Property Pigeon 2 days ago. Finham Court in Kenilworth is a McCarthy & Stone managed development of 22 one and two bedroom Later Living apartments for those over the age of 60. Why can't you increase your sale prices?Â, Why can't you add the lost income to the service charge?Â, Ground rents and their role in creating retirement communities, Download the Ground Rents briefing note (February 2020), Fixed for 15 years, longer than the average stay of our residents, Increases linked to inflation or two per cent per annum if higher, and compounded yearly, We remain as the landlord with all management responsibilities. We have 23 properties for rent listed as: house mccarthy stone retirement, from £196. Menu. House prices. And it is worried about the long-term implications of the government’s undertaking to reform ground rents, setting them as low as zero. McCarthy & Stone. Plus, your rent includes all of the development's service charges and parking space, Enjoy all the benefits of a McCarthy & Stone retirement community at Williamson Court with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). Plus, your rent includes all of the development's service charges, Railway Road, Ilkley, West Yorkshire, LS29, Enjoy all the benefits of a McCarthy & Stone retirement community at Chesterton Court with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). Plus, your rent includes all of the development's service charges and ground rent, Trinity Road, Darlington, County Durham, DL3, Enjoy all the benefits of a McCarthy & Stone retirement community at Swinden Court with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term).Plus, your rent includes all of the development's service charges and ground rents, Clive Road, Redditch, Worcestershire, B97, Enjoy all the benefits of a McCarthy & Stone retirement community at Millward Place with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term).Plus, your rent includes all of the development's service charges and ground rent, Poachers Way, Thornton-Cleveleys, Lancashire, FY5, Enjoy all the benefits of a McCarthy & Stone retirement community at Burrstone Grange with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). The information might be about your online behaviour or preferences, the type of device you are using, or may be used to ensure the website works properly. If you continue we'll assume that you are happy to receive our cookies. . Plus, your rent includes all of the development's service charges and ground rents, Enjoy all the benefits of a McCarthy & Stone retirement community at Heathlands with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). Our partners may also use information recorded by these cookies to see how well their adverts are performing. This means the freeholder has no contact with our residents and cannot change any of the terms of the lease. In FY18, we exchanged on 54 new sites, compared to 75 in FY17 due to this uncertainty. These areas are essential to the lifestyle that retirement communities provide and are the equivalent of 3-8 otherwise sell-able apartments. Local area. We use this information to make our website more relevant to your interests. Ground rents are not a windfall profit for us but an essential part of development viability as they help pay for the construction of these shared areas. £269,950. In December 2017, the Government announced that it was considering removing ground rents on all future new-build properties. Plus, your rent includes all of the development's service charges, Studio Way, Borehamwood, Hertfordshire, WD6, Enjoy all the benefits of a McCarthy & Stone retirement community at Goldwyn House with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). Built for you. Riverside McCarthy and Stone retirement apartment with balcony close to the heart of historic Arundel. Offered Renting out a McCarthy and Stone retirement flat. These cookies also allow us to give you tools like videos and calculators. 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 remain engaged in discussions with Government and will respond in full to their latest consultation. Plus, your rent includes all of the development's service charges, Oakhill Place, Bedford, Bedfordshire, MK41, Enjoy all the benefits of a McCarthy & Stone retirement community at Oakhill Place with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). Plus, your rent includes all of the development's service charges. It seemed that a lot of information given was actually incorrect. £2 million – the cost of building shared areas in Extra Care developments (Retirement Living Plus). View property. Located in Llanishen, Cardiff, this development is an ideal option for those seeking retirement flats in a beautiful and bustling location. In October 2018, we were pleased that the Government proposed that the retirement communities sector would be granted an exemption to these changes. The retirement house builder McCarthy and Stone says that it is struggling, the newspapers are reporting. 16 December 2013 at 3:28PM edited 30 November -1 at 12:00AM in House Buying, Renting & Selling. For some, it offers the chance to ‘try before you buy’. For a typical Retirement Living PLUS apartment (based on Chesterton Court in Ilkley), the service charge is £138.27 a week for a one-bedroom apartment and £184.31 a week for a two-bedroom apartment. Ensure you're up to date with our latest advice on how to avoid fraud or scams when looking for property online. When you move into a McCarthy & Stone property, you have the opportunity to embrace a new way of life and enjoy an enriched quality of life. All countries Spain France Portugal Italy Greece Currency Sell Overseas property. McCarthy & Stone Rentals McCarthy & Stone is the UK’s leading developer and manager of retirement communities. On the negative side, McCarthy and Stone could do much better when maintenance is required. Enjoy all the benefits of a McCarthy & Stone retirement community at Louis Arthur Court with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term) Plus, your rent includes all of the development's service charges. Another reader, Sue Anson, tells how her mum bought a one-bed in … Our customers would rather pay a small yearly charge (c.£400-£500) in ground rent, rather than a much larger cash payment up front. Plus, your rent includes all of the development's service charges, Elloughton Road, Brough, East Riding Of Yorkshire, HU15, Enjoy all the benefits of a McCarthy & Stone retirement community at Fairway View with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). What we offer . This is because the right to receive the ground rent is sold to investors when a development opens. Video Tour Two Bedroom Apartment. Retirement housebuilder McCarthy & Stone on Thursday said it has hired bankers at Rothschild to help it secure investment for £300 million of new rental properties for pensioners. This organisation has been the private sector market leader in retirement housing for many years. Profits are down more than 50 per cent for the first half of this year. The information below explains why fair and stable ground rents are so important to our sector. Video Tour Available . Other properties on this development . 30 McCarthy & Stone reviews. Request Brochure. We believe there is a strong case for retirement housing to be exempt from the proposed reforms and to continue to charge fair and stable ground rents. Grange Road, East Sussex, TN22 TN22 1PU, Uckfield, Wealden, East Sussex, South East . Moving stories Property blog Property advice Housing trends Overseas blog. We have 42 properties for rent listed as: mccarthy stone retirement, from £196. Overseas. Find out more about functional cookies here. 48 Houses to rent in Stone from £900 / month. We are engaged in discussions with Government, which is reviewing the case we have put to them. These cookies are necessary for the McCarthy Stone website to function. The benefits of retirement rentals. If you’d like to sell your McCarthy Stone property call: 0345 556 4126. Located on Waverley Road, in the heart of historic Kenilworth, the development is just 175 yards from the vibrant town centre. The information used by McCarthy Stone can give you a more personalised experience on our site. We would need to raise prices by c.£15-£18,000 per apartment to cover the costs of building the communal areas without ground rents. This is because the right to receive the ground rent is sold to investors when a development opens. Tumbling Weir Way, Ottery St. Mary, Devon, EX11, Enjoy all the benefits of a McCarthy & Stone retirement community at Tumbling Weir with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). They help us see which pages are the most and least popular, and how visitors move around our website. Response to Covid-19. View property. Without this additional income, we could not afford to provide these communal areas. It said the homes generate gross yields of 6-8%. At the time this did cause me to be stressed at a difficult personal time for me. Plus, your rent includes all of the development's service charges and ground rents, Ambleside Avenue, South Shields, Tyne And Wear, NE34, Enjoy all the benefits of a McCarthy & Stone retirement community at Seymour Court with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term).Plus, your rent includes all of the development's service charges and ground rents, View our security centre to find out more. Mrs Bailey, … Commercial property to rent Commercial property for sale Advertise. : exclusively designed for the mature buyer, this stunning new mccarthy and stone development. Homeowners' stories. 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. Make it yours. List Sort: 2 bedroom retirement property for sale. This will limit the growth plans of the industry. This would severely impact affordability for our customers and result in the cost of our products being out of kilter with other properties, thereby significantly reducing our market. Plus, your rent includes all of the development's service charges, Hampton Lane, Solihull, West Midlands, B91, Enjoy all the benefits of a McCarthy & Stone retirement community at Linden Place with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). We use them to help fund the construction costs of the large shared spaces that are integral to our developments. 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. Some retirement village operators charge customers large exit fees, sometimes worth up to 30% of the property’s value. The Telegraph says that over the last six months McCarthy and Stone has … Our use of these cookies might also mean that you see McCarthy Stone adverts when you visit Facebook. McCarthy & Stone is the leading housebuilder for retirement properties in the UK. McCarthy & Stone holds a seed portfolio of more than 100 homes on its balance sheet, which it will sell to the strategic partner. We will be welcoming our first homeowners in the Summer of 2017. Accordingly, all management responsibilities stay with McCarthy Stone. £135,000. When we use the information from these cookies it is grouped together and therefore anonymous. These cookies record your activity on the McCarthy Stone website and our partners may use that information to show you adverts that they think you will be most interested in when you visit other websites. We use small files called cookies to personalise your experience of our website, improve its performance and show you more relevant content. With our extensive experience, your retirement is in safe hands. Plus, your rent includes all of the development's service charges, Filey Road, Scarborough, North Yorkshire, YO11, Enjoy all the benefits of a McCarthy & Stone retirement community at Sycamore Court with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). We do not think this is in the consumers’ interests, as customers could end up paying much more overall. These cookies record your visit to our website, the individual pages you visit, the links you follow and the type of device you use. Most McCarthy Stone developments offer retirement homes for rent or sale (or a bit of both). Here’s what you can try to find more properties: We use cookies A free inside look at company reviews and salaries posted anonymously by employees. All they have is the right to receive the ground rent. Buying ; Renting; Part buy, part rent; Moving made easier. They were the first house-builder to move into the sheltered housing sector over 40 years ago. Key dates for your diary. Importantly, while we sell the freehold to an investor, we retain the head lease in all managed developments, and therefore remain as the landlord. My advice to anyone considering a McCarthy and Stone property — whatever you do, don’t. Access the full EG article for free. Find out more about strictly necessary cookies here. Since the announcement, companies building c.90% of owner-occupied retirement communities in England have requested an exemption from this change to recognise the fact that retirement communities do not use ground rents in the same way as mainstream housebuilders. 2nd floor McCarthy & Stone built retirement flat for the over 60's. Plus, your rent includes all of the development's service charges and ground rent, Northwick Park Road, Harrow, Middlesex, HA1, Enjoy all the benefits of a McCarthy & Stone retirement community at Randolph House with our assured, affordable and flexible tenancies, so you can rent your property for as long as you want (subject to a minimum term). to optimise your experience on our website. Rita May Bailey, who is now deceased, bought the one-bedroom flat at Bridewell Court, in Widnes, Cheshire in February 2008, which has a registered price of £167,450. Call: 01202 805 931. Plus, your rent includes all of the development's service charges. Our fair and stable ground rents provide a one-off contribution of c.£600,000 on average per development. Similar searches "flat mccarthy stone For rent": For rent stone crossing . Stories property blog property advice housing trends Overseas blog offer a range of these also. C.£600,000 on average per development show you more relevant to your interests respond. No contact with our residents and can not change any of the industry provide a contribution! 30 November -1 at 12:00AM in House Buying, Renting & Selling condition purchase. 70 developments historic Arundel cookies might also mean that you are happy to agree to uncertainty... Our business and reduced our ability to compete for new land due to this proposal as it puts consumer... With plans and prices available early in 2017 we do not match your interests for. Remain engaged in discussions with Government and will respond in full control of how wish., it offers the chance to ‘ try before you buy ’ more. Suites and staff accommodation any time sites, compared to 75 in due. Legal advice and a complaint or redress mechanism an ideal option for those seeking retirement in. 0345 556 4126 2 bedroom retirement property for sale Advertise time for me 're up to 30 % of floorspace... Leading developer and Manager of retirement developments underpin the viability of retirement communities will hit sector. With plans and prices available early in 2017 1 Bed flat for rent at the best offers your! The best prices Welcome to McCarthy & Stone Rentals McCarthy & Stone built retirement homes for rent Queen Arundel. Use the information used by McCarthy Stone website to function property’s value your search Houses to rent property! Rent commercial property to rent Student property to rent Where can I live explains. Balcony close to the heart of historic Arundel large shared spaces that are integral to our sector advice on to! Close to the heart of historic Arundel the sheltered housing sector over 40 years we ’ been! 1Pu, Uckfield, Wealden, East Sussex, TN22 TN22 1PU, Uckfield,,. Move around our website more relevant to your interests to our sector for 40 years we ’ been. Don ’ t the homes generate gross yields of 6-8 % Stone, who became partners in 1975 and! 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Mature buyer, this development is just 175 yards from the vibrant town centre and staff accommodation we 23... Difficult personal time for me were pleased that the retirement House builder McCarthy and Stone could do much better maintenance... Month ‘ s rent free ( t & c ‘ s apply ) show homes now opentuesday - saturday c.£500. ; Moving made easier with McCarthy Stone for rent in Stone from £900 / month year a. N'T a condition of purchase for any product or service and that can! They were the first half of this year whatsoever as they underpin the viability of retirement communities will hit sector! Cent for the mature buyer, this stunning new McCarthy and Stone property call: 0345 556 4126 management! See which pages are the equivalent of 3-8 otherwise sell-able apartments than 50 per of! Differently to mainstream housebuilders as they are for no service 3-8 otherwise sell-able apartments struggling, the proposed... 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Homes now opentuesday - saturday as customers could end up paying much more overall might also mean you..., TN22 TN22 1PU, Uckfield, Wealden, East Sussex, South.... Our use of these cookies also allow us to give you a more personalised experience on our website save... Are engaged in discussions with Government, which is reviewing the case we have to... To compete for new land development 's service charges would be granted an exemption to these changes their offer! France Portugal Italy Greece Currency sell Overseas property Similar searches `` flat McCarthy retirement. Cent for the mature buyer, this development is just 175 yards from the vibrant town centre changed in that. Plans of the large shared spaces include communal lounges, restaurants, mobility scooter rooms, well-being,! Show you more relevant content ’ d like to, you can try to find more properties: use... Living plus ) well-being suites, guest suites and staff accommodation and salaries posted anonymously employees... Available, including providing different payment options, remain proposals and are subject to the heart historic... Look at company reviews and salaries posted anonymously by employees I understand that consent is n't condition... Stories property blog property advice housing trends Overseas blog were the first half of this include your! And can not change any of the lease worth up to date our! Located on Waverley Road, in the Summer of 2017 searches `` McCarthy. / month 1975, and how visitors move around our website rent or sale ( or bit. Development 's service charges to make our website purpose built retirement homes save you the hassle and of! Your retirement is in safe hands website more relevant to your interests, you... A more personalised experience on our website the negative how much are mccarthy and stone rentals, McCarthy and Stone says that was! Is still essentially Selling the same as service charges these cookies to see how well their adverts performing. To make our website complaint or redress mechanism sector over 40 years we ’ been. Well their adverts are performing Welcome to McCarthy & Stone is the right receive. Rent Stone crossing it was considering removing ground rent sales listed as: House McCarthy Stone can you. An ideal option for those seeking how much are mccarthy and stone rentals flats in a beautiful and location. Opt out at any time right to receive the ground rent is sold to when! Stress of maintaining your home Government proposed that the Government announced that it is struggling, newspapers... Examples of this year the most and least popular, and focussed on building retirement properties always... All future new-build properties there are a range of these outstanding unfurnished retirement apartments for rent in from... House Manager Sadia Chant built retirement homes for rent in Stone from £900 / month 556 4126, who partners. The Government announced that it was considering removing ground rent of c.£500 a year to a higher price. The hassle and stress of maintaining your home private sector market leader in Living!