Latest update on the Section 21 Reform

The balance of power shifts further towards residential tenants as proposals for radical leasehold reform continues.

The term ‘leasehold reform’ is most commonly being used to refer to the government’s current proposals to rework enfranchisement and commonhold legislation. However, in fact the proposed changes go much deeper into the leasehold system than it might appear, with the most recent consultation focusing upon PRS (Private Rented Sector) in particular.

Let’s remind ourselves of some key dates in the evolution of private sector residential tenancies and the government’s proposed changes.

A brief timeline

1970s

Rent regulation has been around since the First World War and the legislation was eventually consolidated into the Rent Act 1977 which governed most residential tenancies up until 1989. The were some exclusions to this, including lets to limited companies, resident landlords, or those with very high or low rents. These remained ‘common law tenancies’.

Rent Act tenancies were different in three main ways: they were subject to a ‘fair rents’ register; offered long-term security of tenure; and rights of succession.

1980s

However, with the introduction of the Housing Act 1980, it became the Conservative party’s policy to dismantle rent regulation. Regulation for all new tenancies was abolished by the Housing Act 1988, leaving the basic regulatory framework as freedom of contract for the landlord to set any price, thereby leaving rent levels to the market.

Since then most residential tenancies have been assured tenancies, and primarily assured shorthold tenancies, or ASTs.

In addition to paying a market rent, security of tenure was removed by giving the landlord of an AST the right to regain possession of the property at the end of the fixed term (or, if the fixed term is less than six months, six months after the tenancy began), as long as they give two months’ notice (section 21 of the Housing Act 1988).

2018

The current government publishes a consultation paper entitled ‘Overcoming the barriers to longer tenancies in the private rented sector’. The paper notes the following measures that are being introduced, namely:

  • Banning letting fees to tenants and capping tenancy deposits to ensure that tenants have more money in their pockets
  • Insisting that all landlords are members of a redress scheme so that tenants have quick and easy resolution to disputes
  • Ensuring all letting agents are registered and are members of a client money protection scheme to provide assurance to tenants and landlords that their agent is meeting minimum standards

However, they also note that “the change in size and make up of the private rented sector has led to growing need for longer, more secure tenancies than the minimum six months offered by the assured shorthold tenancy regime”. The government accordingly launches a consultation seeking views on longer tenancies in the private rented sector, which proposed a new, three-year tenancy model.

April 2019

The government published its response to the ‘Overcoming the Barriers to Longer Tenancies in the Private Rented Sector’ consultation and announces that for assured shorthold tenancies it ‘will introduce a generational change to the law that governs private renting. This government will put an end to “no-fault” evictions by repealing Section 21 of the Housing Act 1988’.

They identify that it will be important to find a balance between giving tenants greater security whilst ensuring landlords are able to recover their property if needed – ‘We do not want to discourage investment in the sector or affect the supply of good quality rental accommodation’.

Therefore, to ensure landlords have confidence they will be able to end tenancies where they have legitimate reason to do so, it is stated that ‘we will also strengthen the Section 8 possession process, so property owners are able to regain their home should they wish to sell it or move into it’. These will be in addition to the existing grounds which allow landlords to evict tenants who don’t pay the rent or commit anti-social behaviour.

July 2019

On 21 July 2019, the government published a further consultation: A New Deal for Renting: Resetting the balance of rights and responsibilities between landlords and tenants.

This consultation confirms that, at the same time as repealing section 21, the government proposes to remove the entire AST regime. This means that in future, the default position will be that a tenancy is a periodic assured tenancy unless the landlord and tenant have agreed a fixed term in writing. A tenant under an assured tenancy may not be evicted unless the landlord can provide grounds (under Schedule 2 of the Housing Act 1988) or where a break clause has been agreed between the landlord and the tenant.

The consultation closes on 12 October 2019.

What’s next?

Once the consultation closes we can expect draft legislation to effect the government’s proposed reforms.

Interestingly whilst the government moves towards reintroducing security of tenure, the London major Sadiq Khan has confirmed he will demand an overhaul of tenancy laws in a campaign for London rent controls that is set to be the cornerstone of his 2020 re-election campaign.

The government has commented on Khan’s proposal by stating that its proposals to abolish no fault evictions and ending letting fees “will create a housing market that truly works for everyone – in direct contrast to rent controls which could drive responsible landlords out, could reduce investment in high quality housing and ultimately push rents up”.

The good news for tenants is that in the current political climate, both parties appear to have identified a need to redress the balance of power and improve the position of renters.

However, it remains to be seen whether the requirement for a landlord to prove a ground for possession every time they want to terminate a tenancy may well make some reluctant to let out their properties in the first place, reducing the available supply.

The responses to the consultation will certainly make for interesting reading, and both landlords and tenants would be well advised to have their say whilst the government is listening.

Source courtesy of News On The Block

The BIG Broadband issue

With the advances in technology and many people being reliant on their Broadband for watching television, managing their appliances, monitoring their homes and the ever evolving world of remote working, broadband infrastructure is now in demand more than ever.

Previously many management company knew very little about the broadband infrastructure  available across their developments. Now it’s become one of the biggest issue for tenants, which means it’s now very much hitting the top of property managers agendas.

It’s become a huge part of the decision-making process as much as proximity to good schools and transport links. It forms the foundation of the connected home and when it doesn’t perform well, it impacts on people’s ability to work and enjoyment of technology advances.

Broadband lottery

Resident management companies and property managers need to understand what infrastructure is available, and crucially what the process is to enhance it so they may inform all tenants of how they can improve on their infrastructure. Currently broadband is very much a post-code lottery.  USwitch recently reported that the average speed in the UK was 46.2Mbps, but 13% of homes have speeds below 5Mbps. Also, according to research by Think Broadband, one in eight new properties have speeds so slow they fall below the Government’s minimum requirement of 10Mbps.

Speedy resolve

Here are the different types of broadband infrastructures available:

  • ADSL broadband – Many blocks still only have access to copper based ADSL broadband that cannot deliver over 5Mbps.
  • Fibre-to-the-Cabinet (FTTC) – this is what is most commonly available and sold as ‘fibre’ by many of the big Internet Service Providers. This is somewhat misleading, as FTTC simply means that there is fibre to a junction box on the street, so the connection into the building is still delivered over copper phone lines. As a result, there continue to be huge issues with peak-time slowdowns and distance attenuation, further away the property is from the telephone exchange, or the higher the flat the poorer the service.

  • Fibre-to-the-Building (FTTB) – also known as ‘full fibre.’ the ‘gold standard’ of broadband – its now available across 8% of the UK and the government is commited for everyone to have it by 2033. With full fibre the customer can enjoy symmetrical gigabit broadband services at 1,000Mbps. With these speeds, HD movies can be downloaded in seconds and families can simultaneously access the Internet, without any frustrating slowdowns, buffering or timeouts.

Fibre for all

Once installed, a full-fibre connection can also be leveraged for other purposes which could add value to the development for residents – such as offering communal Wi-Fi hotspots. In addition, in the future this type of broadband will almost certainly be used for IPCCTV (Internet-enabled CCTV) for security systems and monitoring. Also, if every unit in the development is connected at once, which can easily be done in a new development, it means that residents can be online within minutes of moving in – removing wait times for installation and maximising rental returns.

Connectivity is now an essential utility for all tenants. Flat owners and renters expect it as standard. Property managers that provide a future-proofed reliable connection are therefore a step closer to minimising rental voids and, crucially, keeping tenants satisfied. If you’d like us to discuss managing your block of flat, please contact a member of the team today.

IPM celebrate 10 years with new App

Inspired Property Management (IPM) one of the leading providers of block property management services across the UK celebrates its 10th anniversary with the launch of a bespoke new App and the expansion of their head office in Doncaster.

IPM was launched in 2009 by David Poppleton, Andrew Poppleton and Danielle Parker who have established a thriving business with over 80 team members, managing over 500 developments nationally.

IPM has ambitious plans to continue their impressive growth, aiming to increase the number of developments it manages over the coming years. Based at Malton Way, Adwick-Le-Street, Doncaster, with a further office located in central London, IPM recently completed the acquisition of a further neighbouring building to expand their head office in Doncaster.

IPM has been attentive to increasing connectivity, passionate in embracing digital change and listening to their customers. The development of the brand new IPM Maintenance App will enable customers to request repairs, report problems, all with a simple click on the App from their mobile device, anytime, anywhere.

David Poppleton, Director of IPM, said: “We are delighted to be celebrating 10 years of growth and success for Inspired Property Management, and we wish to thank all our team for their steadfast dedication and commitment. Our vision is to provide customers with the best property management services in the UK.”

Danielle Parker, Director of IPM said: “It’s been an incredible journey over the last 10 years building the business to where it is today. We all share a genuine commitment to putting customers’ needs first and that has been the basis for our success. Here’s to the next 10 years!”

Andrew Poppleton, Director of IPM said: “When we started IPM, we all had a shared vision to build a business focussed on customer care with a talented, motivated and passionate team. The new IPM Maintenance App highlights our commitment to embracing technology and investment.”

I still don’t understand my service charge?

At Inspired Property Management we like to help our clients and customers and ensure they fully understand what a service charge is and why they have to pay it.

Most new apartment tenants have no idea what a service charge is or why it’s required. IPM will guide you through understanding your service charge and the reason it is required.

What is a service charge?

Service charges are payments made by residents for services that are provided by the landlord or managing agent in respect of common parts of buildings and external communal areas of the estate. For example; if you live in a flat, you are required to pay services for internal communal areas in the building that your flat is situated as well as external communal areas. Examples of these charges could be internal cleaning, painting and gardening. Examples of further services you may be charged for are: sweeping of footpaths, litter picking and gardening to communal areas. In short, service charges are costs that are incurred by landlords for the upkeep of communal areas which are then charged to residents under the terms of their lease or transfer agreements. Your lease will detail more information on your services charge and may specify your individual percentage share of estate/block costs.

How do service charges work?

Estimates At the beginning of your service charge year (which is detailed in your lease) we will send you a service charge estimate. This letter estimates the amount we expect to spend on your block/estate during the next year. IPM calculate the estimates based on known servicing costs, contracts and prior year actual costs. You then pay for the full service charge year based on the amount listed within the estimate. Service Charges are variable, meaning that they will change each year depending on the amount spent on your block or estate. Your estimate may increase some years and decrease in others.

Final Accounts

Once the financial year ends, IPM have 6 months to review all expenditure carried out to each block and estate for the past 12 months. Once we have reviewed all of the expenditure, we post out an end of year statement to each resident which details the actual costs incurred. The estimated service charge amount is also shown on this statement as a credit; the charges are shown as a debit amount. The end of year statement then shows whether overall your service charge for that year is in credit or in deficit.

Please note – your estimated service charge amount on your final account statement will be less any ground rent or sinking fund payments. This means you only pay for the services that have been provided. IPM do not make a profit from service charges as we are only allowed to pass on costs that we have incurred. You can check your actual account against your estimate to see the exact differences between estimated costs for each element and the actual costs for each element. If we are unable to finalise the review of expenditure to your block or estate within 6 months we will send you a Section 20B Notice. This is a formal notice required under service charge legislation which sets out the amount we estimate your service charge might be.

Credit

If your end of year statement of account is in credit this means that the amount you have paid towards your service charges for the year is more than the actual amount spent and money is due back to you.

Debit

If your account is in debit this means that the amount that you have paid towards your service charges for the year is less than the actual amount spent. You are liable for the additional costs under the terms of your lease.

Other Charges

In addition to your service charges depending on your lease you may have to pay the following additional charges. Rent is payable if you are a shared owner and have not purchased the full 100% of your property. In this situation, under the terms of your lease you will be required to pay rent on the remaining share of your property. More details on your rent and how this is increased each year is detailed within you lease.

Ground Rent

Some leases allow IPM to collect a ground rent for leaseholder and shared owners. Please refer to your lease for more information on the amount of ground rent and information on when/how this increases.

Sinking Fund

Some leases allow IPM to collect a sinking fund from leaseholders and shared owners. Sinking fund monies are held separately from service charges in a bank account. They are collected each year and usually spent on major works for the block / estate; for example: A lift replacement, a new roof for the block or re laying tarmac on a road within the estate. Please refer to your lease for more information on the sinking fund.

Help and Support

If you still have queries surrounding your end of year service charge account then please contact our customer service centre on 01302 729500. They will be able to direct you to the correct team who can assist you with your query.

Outside of IPM there are also other organisations that may be able to assist you with your queries.  The Leasehold Advisory Service can provide free information, initial advice and guidance to members of the public about residential leasehold law.

What is a Year End Balancing Charge?

At Inspired Property Management we like to make it clear and transparent with all our charges and what is involved in the service charge and balancing charge.

Many service charge payers do not realise that the charge they pay at the start of the service charge year is actually an interim payment. It is an initial estimate of future expenditure for maintaining the building and is not the final service charge payment. In fact the service charge payment cannot be considered to be finalised until after the completion of the service charge accounts.

The service charge accounts will compare the amount budgeted for the year with the amount actually spent. If the actual is more than the budget then a deficit will be produced, if less was spent than budgeted, there will be a surplus.

This balancing charge, which in the event of a surplus will actually be credit, will ensure that the service charge is no longer an estimate. After the charge is invoiced you will only have been billed for the services/work carried out during the service charge year.

Previous Owner

Once you purchase a lease you become responsible for it; this includes the liabilities of the previous owner. For this reason solicitors should always ensure that arrangements are made for the payment of any outstanding service charges prior to the lease changing hands. They should also make enquiries into the financial position of the service charge and determine if a retention is required in case of a deficit.

18 Month Rule

18 Month Rule – As a leaseholder you can only be charged for expenditure within 18 months of the landlord or management company incurring the costs. This includes the balancing charge. This is the reason why service charge accounts have to be produced within 6 months of the year end (18 months from the year start and the first expenditure). However you may find that this is not the case, instead you could receive a section 20b notice, which provides a summary of charges. This provides the landlord or management company more time to produce accurate accounts and should also give you notice of the possibility of a deficit or surplus.

You may find that even though the accounts are produced within 6 months the charges are not applied for some time after this. This is perfectly fine as long as your landlord or management company provide a notice with the accounts (usually in the form of a covering letter) stating that there is a deficit and you will be invoiced for a balancing charge.

Ensure you read your Lease as it’s not 100% guaranteed that balancing charges will be required. Leases are all different and some may not have the provision for balancing charges. Some leases have the provision to recover a deficit position by charging however there is no provision to credit back a surplus.

If you have any questions about your Lease and would like further information about services charges please take a look at the FAQ section on our website where we have answered some of the common questions we get asked.

Benefits of a gym in your development or apartment block

There are many benefits to having a residential gym in your development or apartment block. It encourages people to exercise, increases the value of a property, and builds an excellent community amongst tenants and home owners.

Residential gyms are now at the forefront of a property developer’s mind when designing accommodation. They are now a key feature that sets properties apart in an already fiercely competitive market.

According to a 2018 survey, the UK fitness market is growing at an incredible rate. It’s currently the fastest growing business sector in the country, with an annual growth rate of 8.5%. In simple terms – people today care about getting fit and healthy as part of their lifestyle.

IPM have outlined the top benefits of having a residential gym:

The biggest barrier of going to the gym is the convenience factor. Waking up in the morning and knowing that there’s a gym 30 seconds away can make the world of difference to tenants.

Some of us need a little more motivation when it comes to getting up early and having a good workout. Building a gym is a fantastic way of encouraging people to commit to staying healthy.

The fact that residents do not need to leave the building means they are free to use their own bathroom.

Being able to go home after a workout to use your own shower full of your specific products, towels etc. is such a great advantage.

Returning to your own flat after a workout at your residential gym also means avoiding otherwise busy changing rooms at peak hours in any other gym. This leaves you free to change in the peace and quiet of your own home with no queues.

Most residential gyms are big enough to accommodate a wide range of equipment, giving users a level of variety in their workout, which is hard to get from a personal gym.

Let’s face it, bad weather can stop even the most committed keep-fit fan from leaving the house for a run – especially in winter months. Having a gym in the same building that caters to running, rowing, weights etc. makes exercise far more tempting.

Residential gyms can help to build a community for users and their guests. It’s easy to get to know your neighbours when you work out together. You can encourage each other, motivate each other and become real gym buddies.

For more information about how we could assist with managing your property and our experience of luxury developments with gyms please get in touch with a member of our team 01302 729 500.

Top 5 Property Management Tech trends to watch out for

The rise of “Proptech”

For all its intriguing, futuristic promise, “proptech” is still a rather nebulous concept. While developers or investors look to contain ever-expanding technology into bricks and mortar assets, proptech might mean anything from installing facial-recognition security sensors to tracking energy usage. It might involve enabling occupier employees to customise individual heating preferences with a smart phone app, or using sensors to follow individuals’ movements.

The Cloud

Rewind to a few years ago, “the cloud” was seen as a mysterious pocket of the internet that eluded principals and agents alike. Fast forward to now and the cloud is fast becoming the norm and legacy server-based software is quickly becoming obsolete.

This is due to the many benefits of cloud property management software including time and cost savings, scalability, increased security and greater accessibility. Additionally, cloud-based systems have client access which allow tenants and owners to log in and see their property and financial information 24/7, reducing the amount of communication required. At IPM was have already invested in the technology to allow all our tenants fuse free access anytime, anywhere using the on-line tenant portal.

Augmented reality and virtual reality

With VR, potential buyers and renters can virtually view a property from anywhere in the world, at any time. This means that the property is open for inspection 24/7, allowing agents and clients to save time and money while increasing efficiency and engagement.

Meanwhile augmented reality (AR) apps superimpose a computer-generated image of an object into real life, allowing people to do things like capture Pokemon (if that’s your thing) or virtually decorate a space using their phones or tablets. For brokers and developers, they’ll be able to showcase the potential of an unfinished space using AR to present a desired lifestyle and decrease time on market.

The chat bots

The modern consumer expects immediacy. They want answers to their questions and they want them now. That’s where property management robots like chatbots, voice bots and virtual assistants come in. Not only can they help answer consumer queries with little to no delay to keep consumer expectations at bay, but they can also free up your time to focus on what really matters.

Push technology

Another property management tech trend to watch this year is push technology. While this technology has been around for a few years, it has become increasingly popular as more and more agencies develop their own smartphone apps.

Agencies can use push technology to send content alerts to a smartphone’s locked screen and other notification areas in order to get users back on the app again and generate leads (phone calls).

Inspired Property Management take a view to invest in technology that not only offers our clients and tenants a better service but also allows them to manage their accounts freely and easily. For more information about how you can use our tenant portal click on the link here.

What will Brexit mean for property prices?

Whether you’re a staunch remainer or avid Brexiteer, there’s no denying that the uncertainty around when the UK will leave the EU, and the terms under which it may happen, is causing property market uncertainty.

On Tuesday, Theresa May said that it might no longer be possible for the UK to exit the EU on 29 March 2019 as originally planned, although this still remains her preference. The prime minister has promised to put her withdrawal agreement to MPs for a ‘meaningful vote’ by 12 March. If, as many predict, the deal is rejected again, Mrs May has offered two further votes: one allowing MPs to rule out leaving the EU without a deal, and another allowing her to push back the Brexit date.

The announcement followed Labour leader Jeremy Corbyn’s declaration on Monday that he would back a second EU referendum if Labour’s own proposed Brexit deal wasn’t adopted. Many are now predicting that Brexit will be delayed until the end of June at the earliest.

What might a no-deal Brexit mean for house prices?

Many business leaders and financial experts have expressed concerns about the potential consequences of a no-deal Brexit. In September 2018, Bank of England governor Mark Carney warned that leaving the EU without a deal could send house prices tumbling by a third, and this week he added that UK growth would be ‘guaranteed’ to fall in the event of a no-deal Brexit.

So, what does all of this mean for the property market, and what impact has the vote to leave the EU already made on house prices and sales volumes? New analysis of the property market activity before and since the Brexit referendum indicates what experts from the estate agency, building, mortgage and buy-to-let sectors think will happen over the coming months.

What’s happened to house prices since the Brexit vote?

House prices did stagnate for a while following the referendum in June 2016. This could well have been down to the usual pattern of prices growing in spring and plateauing over summer, which was also apparent the same month in 2017. But, with Brexit looming ever closer, house prices suffered a bigger post-summer dip than usual in 2018, dropping from a peak of £232,797 in August to £230,630 in November.

The latest ONS House Price Index shows that they crept up slightly in December, meaning that the current average UK house price is £230,776.

Are UK house prices falling?

Looking at year-on-year house price change over the longer term can be another useful way of understanding what the market’s doing. Transaction volumes since the referendum is another way of judging the health of the housing market by looking at transaction volumes, meaning the number of property sales in any given month. A lower number of sales can indicate market uncertainty, which is often triggered by events such as an election or a referendum. According to HMRC’s most recent seasonally adjusted figures, there were actually more house sales in January 2019 – 101,170 to be exact – than in the same month the year before (99,830).

What’s the pre-Brexit market like for sellers?

Two commonly used measures of how the market is performing for sellers are stock per branch – which is the average amount of properties on each estate agency’s books – and time to sell. In January, the average time for a property to go under offer shot up to 77 days, the highest it’s been in years – and this could be partly due to nervousness around buying a home in the run-up to Brexit. Stock per branch was also up year-on-year, from 42 in January 2018 to 45 in January 2019.

As it stands, the only thing that’s clear is that nothing is clear, and you’d be justified in having no idea whether now is the right time to buy, move, invest or remortgage.

Source and information provided by Which.co.uk

Read more: https://www.which.co.uk/news/2019/02/what-will-brexit-mean-for-house-prices/ – Which?

Why your development should have a Resident’s Association

A Residents’ Association (RA) is a local group, made up of local residents who represent the interests of everyone living in a particular area or building, they are set up for everyone to join and membership is open to all local residents (tenants and leaseholders). For the RA to be successful and effective it should represent and include all residents in the area its serves.

Why are they worth having?

A collective voice is a powerful voice. Being united with other people who share your living environment, means that you have the opportunity to influence and shape the quality of the services to your local community and improve residents’ quality of life.

For example, you can…

  • have a say on the services provided by Network Homes – i.e. cleaning and repairs.
  • develop the environment and community i.e. apply for funding for safe play areas and carry out social activities that bring you and your neighbours together.
  • lobby the council for local provision i.e. recycling facilities, improved lighting etc.

The formation of a residents’ association is a simple process, which requires a group of interested individuals with a common interest and an agreed constitution, by which the activities and rules of the association are governed. The recognition of residents’ associations is in Schedule 19 of the Housing Act 1980, as amended by the Landlord and Tenant Act 1985 and 1987. This act of law entitles RA’s to certain rights and access to information which is not typically shared, such as work invoices, detailed transaction reports, stock condition surveys and fire risk assessments (FRA). This transparent and open approach with a small group of elected members is often valued by the wider majority; seen as an honest attempt for transparency, improved communication and better relations.

When carrying our planned work or major repairs, RA’s are a great sounding board for ideas and feedback. They are often happy to ballot members for when multiple options are on the table, or similarly, they will make the final decision on behalf of their members, as elected to do so. This approach put people and the centre of what we do.

For Managing Agents and Landlords, there is little administration required when working with an RA. It is easier and far more effective for RA’s to meet frequently with the Inspired Property Management team to ensure your goals are recognised for the development and your ideas are heard. If you’d like to know more about how our team at inspired can work with your RA please get in touch with a member of our team.

Decorate your apartment without upsetting your landlord

A few nifty tricks to give your home a very merry makeover without so much as a pin in the wall… Handy if your landlord has stipulated no holes in the walls.

Hosting Christmas for all the family in your new rental home? We have all the tricks of the trade to make your house feel Christmassy, festive and merry without pinning or painting anything.

Keep your landlord, and even your mother-in-law, on side with these nifty decorating techniques that won’t damage a wall, skirting board or doorframe…

If you can’t hang things on the walls or pin anything to doorways, then opt for ornaments. Glittery reindeers, giant nutcrackers and charming nativity scenes will create a traditional Christmas feel without upsetting the landlord. Smother mantelpieces, top tables and decorate the base of your tree.

Redecorate with a wreath

If you can’t go crazy inside, then you always have outside. People are putting exterior lights up, perching trees on their porches and of course the time old tradition – hanging beautiful wreaths. If you don’t want to pin it to your door, cascade the circular garland from ribbon tied to a door handle or brickwork above the frame.

Go crazy for candle displays

Candles omit a Christmassy glow, warming winter scents and can be glammed up to create opulent table displays. Surround simple tower candles with conifer cones, berries and rings of holly to give off an easy Christmassy vibe without redecorating a thing!

Go gaga for garlands

Bring the forest inside this winter by draping garlands of holly, ivy and fir across fireplaces, mirrors and winding them up staircases. Botanical displays around the home will instantly give off the smell and look of Christmas without damaging anything.

Invest in warm wintery accessories

With just a few hours of light a day (and even those are clouded, snowy and drizzly!) we all love wrapping up in a cosy onesie and nestling into our cushioned den with a chunky throw. Accessorise this winter with Christmas-inspired and adorned cushions and blankets that will transform that bleak sofa into a sanctuary.

Decorate a traditional tree

If you’re unsure about pinning things on walls then simply go to town on your Christmas tree. Get the biggest one you can, or a collection of tiny trees, and adorn it with a sprinkling of hundreds and thousands, a scattering of fairy lights and top with a beautiful angel.

Top it off with an amazing table display

We all spend a large amount of the big day in the dining room eating and drinking and eating some more, so decorate your table extravagantly. Invest in a large centrepiece and compliment it with fanciful dinner platters, serving spoons and festive flowers for a truly beautiful banquet.

How will you be decorating your apartment home this Christmas?

Tips courtesy of idealhome.co.uk – read more here