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The Journal


<p>In a positive shift for the UK mortgage market, the Bank of England has reduced the Base Rate to 4.25%, marking the second cut of the year. This reduction is expected to have a significant impact on the housing market, especially for homebuyers and those looking to move into a Verity and Co home.</p>





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<h2 class="wp-block-heading">What Does This Mean for Homebuyers?</h2>



<p>For prospective homebuyers, the Base Rate cut is a welcome sign. Mortgage rates, which have already seen a slight decrease in recent weeks, are likely to fall further. The average 2-year fixed mortgage rate is currently around 4.64%, and the 5-year fixed rate stands at 4.60%. As these rates continue to come down, it could make it easier for buyers to secure more affordable mortgages, improving overall affordability and opening up more opportunities to purchase a home.</p>



<p>At Verity &amp; Co Homes, we’re always focused on making homeownership a reality for more people. With the Base Rate reduction, now is an excellent time to explore the range of high-quality homes we have available across our developments. Whether you&#8217;re interested in the modern elegance of The Willows, the charm of Bolton Gardens, or the beautiful homes at Croft Mill, this rate cut could bring your dream home within reach.</p>



<h2 class="wp-block-heading">How Does It Affect Verity &amp; Co Homebuyers?</h2>



<p>For those looking to buy a Verity &amp; Co home, this reduction in the Base Rate could also mean more attractive mortgage options. With lenders adjusting their rates, prospective homeowners might find it easier to afford a new build that meets their needs. Plus, with interest rates expected to fall gradually over the next year, homebuyers could see continued affordability improvements.</p>



<p>Moreover, the Bank’s efforts to stimulate economic growth are likely to support the housing market, keeping the demand for new homes strong. This is great news for those who have been waiting for a positive shift in the economy, and it further enhances the value of investing in a Verity &amp; Co home, built with care, craftsmanship, and a family-first approach.</p>



<h2 class="wp-block-heading">What’s Next for Homebuyers?</h2>



<p>While mortgage rates may not drop back to the historic lows of 2021, the financial markets are predicting additional rate cuts throughout 2025. This means that affordability could continue to improve, providing even more opportunities for homebuyers to take the next step towards owning a beautiful home with  Verity &amp; Co Homes.</p>



<p><br />If you&#8217;re ready to explore our available homes or get started with a mortgage in principle, our team is here to guide you through every step of the process. Contact us today to find out how this new rate cut can benefit you!</p>



<p class="has-main-color has-text-color has-link-color wp-elements-0e1903d9712b86193af87444e2375af7"><a href="https://www.rightmove.co.uk/news/articles/property-news/base-rate-cut-may25/?utm_content=hero&amp;lid=ic3dis8gl80b&amp;utm_medium=email&amp;utm_campaign=p5_b2c_mar-bct_email_mtg_engage_newsletter_080525&amp;utm_source=email-mtg" target="_blank" rel="noreferrer noopener"><em>Source: Rightmove – Base Rate cut to 4.25%: what it could mean for UK mortgages</em></a></p>



<p class="has-text-align-center"><strong>Contact us to explore your mortgage options&#8230;</strong></p>






Base Rate Cut to 4.25%: What This Means for Homebuyers and Verity & Co Homes




<p>That’s why we’re proud to work in partnership with <strong><a href="https://www.auxesiahomes.co.uk/">Auxesia Homes</a></strong>, a trusted provider of affordable housing, to bring high-quality shared ownership homes to several of our developments.</p>



<p>Together, we’ve recently completed the handover of six shared ownership apartments and three beautifully finished homes at <strong>The Willows, Silsden</strong> &#8211; helping more individuals and families find a place to call their own. These homes are part of our broader mission to support a diverse and thriving community on every development we create.</p>





<p><strong><a href="https://www.auxesiahomes.co.uk/">Auxesia Homes</a></strong> recently shared their thoughts on our partnership:</p>



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<p>“Delivering quality affordable housing is always a privilege, and this development is another step toward helping more people onto the property ladder. A big thank you to Jack Hamer &amp; Holly Emmott at Verity &amp; Co Homes for their support and collaboration throughout the process!”</p>
</blockquote>



<p>And again, in celebration of another handover:</p>



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<p>“These homes have been crafted with attention to detail and finished to the highest standards. We’re excited to see our customers move into their new homes soon and begin creating wonderful memories. Special mention to Holly Emmott &amp; Tom Raveglia for the great work on handover day.”</p>
</blockquote>



<h2 class="wp-block-heading">A Partnership Built on Shared Values</h2>



<p>We’ve enjoyed partnering with Auxesia Homes for several years now, drawn together by a shared commitment to building more than just homes. Like us, Auxesia are passionate about creating positive change in communities across the North, with a particular focus on providing affordable homes for those who serve our country and communities—including service men and women, NHS staff, police officers, and more.</p>



<p>Their mission to deliver safe, energy-efficient homes for public service workers, alongside their support of the Armed Forces Covenant, aligns beautifully with our own values: to build thoughtfully designed homes that inspire homeownership and help create inclusive, thriving neighbourhoods.</p>



<p>And as part of our ongoing commitment to creating inclusive and sustainable communities, all of our developments over a certain size include homes available through affordable housing schemes. This ensures that more people &#8211; whether first-time buyers, young families, or those simply looking for a fresh start, can experience the warmth, quality, and care that define a Verity &amp; Co home.</p>




Creating Affordable Paths to Homeownership with Auxesia Homes




<p class="has-text-align-left">With the recent changes to Stamp Duty, moving home has just become more expensive for many buyers across England. <br />As of <strong>1st April 2025</strong>, the temporary relief for second home and investment property purchases has ended – and the <strong>additional Stamp Duty surcharge of 3%</strong> now applies again in full. On top of this, changes to thresholds for first-time buyers and second steppers mean that more people are now facing unexpected costs when purchasing a new home.</p>











<p>At Verity &amp; Co Homes, we don’t want those changes to hold you back. We believe that owning a new home should feel exciting – not stressful. That’s why we’re stepping in to help, with an exclusive offer at both of our Silsden developments: <strong>Bolton Gardens</strong> and <strong>The Willows</strong>.</p>



<h2 class="wp-block-heading">We’re paying your Stamp Duty on selected homes, so you don’t have to.</h2>



<p>This means potential savings of thousands of pounds, depending on the home you choose, a huge help at a time when every penny counts. Whether you&#8217;re upsizing, relocating, or simply looking for your next chapter, this could make all the difference.</p>



<p>We&#8217;re proud to create homes that are crafted with care, thoughtfully designed, and built to last – and we want your journey to one of our homes to be just as considered.</p>



<h2 class="wp-block-heading">Which homes are included in the offer?</h2>



<p>The Willows:<br />• <strong>Plot 13 – The Woodrow</strong> – £480,000 <em>(Stamp Duty Paid: £14,000)</em><br />• <strong>Plot 14 – The Woodrow</strong> – £485,000 <em>(Stamp Duty Paid: £14,250)</em><br />• <strong>Plot 30 – The Ashton</strong> – £315,000 <em>(Stamp Duty Paid: £5,750)</em> – <em>also includes luxury flooring </em><br />• <strong>Plot 31 – The Ashton</strong> – £299,995 <em>(Stamp Duty Paid: £4,999)</em> – <em>also includes luxury flooring </em><br />• <strong>Plot 34 – The Emily</strong> – £399,950 <em>(Stamp Duty Paid: £9,999)</em><br />• <strong>Plot 49 – The Read (semi-detached)</strong> – £325,000 <em>(Stamp Duty Paid: £6,250)</em><br />Bolton Gardens:<br />• <strong>Plot 57 – The Hartford</strong> – £499,995 <em>(Stamp Duty Paid: £14,999)</em></p>



<p>Whether you&#8217;re dreaming of a peaceful canalside retreat or a spacious home for your growing family, we’re here to help make your move more affordable — and more exciting.</p>



<p>Our Stamp Duty Paid offer won’t be around forever, so if one of these homes has caught your eye, don’t wait. Come and visit us at The Willows to explore the homes in person, or speak to our Sales Advisors to learn more about how we can support you through your next chapter</p>



<p style="font-size: 10px;">Terms &amp; Conditions<br /><em>Incentive cannot be used in conjunction with any other offer. Subject to plot availability and individual purchase circumstances. Terms and conditions apply. Verity &amp; Co Homes reserves the right to withdraw or amend this offer at any time without prior notice.</em></p>



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Supporting Your Move, We’re Covering Your Stamp Duty on Selected Homes

The Craven - Semi Detached - a four bedroom home


<p>Set against the rolling hills of East Lancashire, <a href="https://www.skiptonproperties.com/developments/pendle-farm-worsthorne/"><strong>Pendle Farm</strong></a> in Worsthorne (near Burnley) is more than just a collection of new homes, it’s a place where landscape, lifestyle, and craftsmanship come together in perfect harmony.</p>





<p>Nestled on the edge of the charming village of Worsthorne, <a href="https://www.skiptonproperties.com/developments/pendle-farm-worsthorne/"><strong>Pendle Farm</strong></a> enjoys an enviable position surrounded by sweeping countryside and far-reaching views, including Pendle Hill in the distance, a local landmark steeped in legend and loved by walkers. This serene setting offers the best of both worlds: a peaceful, rural atmosphere with easy access to Burnley and nearby towns for everyday essentials.</p>



<div class="wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex">
<div class="wp-block-button"><a class="wp-block-button__link wp-element-button" href="https://www.google.com/maps?rlz=1C1OPNX_en-gbGB1082GB1082&amp;um=1&amp;ie=UTF-8&amp;fb=1&amp;gl=uk&amp;sa=X&amp;geocode=KWNKJ_UCl3tIMYQUu51161vv&amp;daddr=Ormerod+St,+Worsthorne,+Burnley+BB10+3NU" target="_blank" rel="noreferrer noopener">Show me the way!</a></div>
</div>



<h1 class="wp-block-heading has-large-font-size"><br />Why choose Pendle Farm?</h1>



<p>Every home at <strong><a href="https://www.skiptonproperties.com/developments/pendle-farm-worsthorne/">Pendle Farm</a> </strong>has been carefully designed to feel right at home in this picturesque location. Built using natural random stone, with traditional slate roofs and estate-style fencing, the development is full of rustic character and timeless appeal. From the outside in, these homes are made to last — and made to love.</p>





<p><br />Step inside, and you’ll find light-filled rooms, thoughtful layouts, and high-quality finishes that blend the best of traditional craftsmanship with modern comfort. Whether you&#8217;re watching the sunrise over the fields or unwinding with family in your spacious kitchen-diner, each home has been created to elevate everyday living.</p>



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<div class="wp-block-embed__wrapper">https://youtu.be/utvHorD68ME</div>
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<p>As construction progresses, the stonework already hints at the beauty to come, and we can’t wait to welcome you to a place that truly feels like home.</p>



<p><strong><a href="https://www.skiptonproperties.com/developments/pendle-farm-worsthorne/">Pendle Farm: Countryside Living, Reimagined.</a></strong><br /><strong>Contact Sales: <a href="mailto:pendlefarm@skiptonproperties.com">pendlefarm@skiptonproperties.com</a></strong></p>



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<div class="wp-block-button"><a class="wp-block-button__link wp-element-button" href="https://www.skiptonproperties.com/developments/pendle-farm-worsthorne/">View Homes</a></div>
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A Village Setting with a View: Discover Life at Pendle Farm, Worsthorne


<p>Move straight into your dream home with <strong>luxurious flooring from Invictus and Cormar Carpets</strong>, included at no extra cost!</p>



<p><strong>Available Across These Selected Homes:</strong></p>



<p>We offer an exceptional selection of three- and four-bedroom homes, each designed with thoughtful layouts, stunning finishes, and built to the highest standards. Whether you&#8217;re looking for more space, a stylish new start, or your forever home, we’ve got something perfect for you.</p>



<p><strong><a href="https://www.skiptonproperties.com/developments/bolton-gardens/">Bolton Gardens, Silsden</a></strong></p>



<ul class="wp-block-list">
<li><a href="https://www.skiptonproperties.com/property/the-hartford-plot-3-2/"><strong>The Hartford (Plot 3)</strong> – A firm favourite. Natural stone, four-bedroom home with a garage and garden room, en-suite master bedroom, open-plan layout, and sunny garden.</a></li>



<li><a href="https://www.skiptonproperties.com/property/the-whittaker-plot-30/"><strong>The Whittaker (Plot 30)</strong> – Natural stone, four-bedroom home featuring a double garage, two en-suite bedrooms, study, utility room, and spacious interiors.</a></li>



<li><a href="https://www.skiptonproperties.com/property/the-ermysted-plot-31-2/"><strong>The Ermysted (Plot 31)</strong> – Striking elevation, integrated garage, large en-suite bedroom, utility, and open-plan layout in a beautiful four-bedroom natural stone home.</a></li>
</ul>



<p>&nbsp;</p>





<p><strong><a href="https://www.skiptonproperties.com/developments/the-willows-silsden/">The Willows, Silsden</a></strong></p>



<ul class="wp-block-list">
<li><a href="https://www.skiptonproperties.com/property/the_read_44/"><strong>The Read (Plot 44)</strong> – Our current sales office, now for sale! Fully complete and ready to view. A three-bedroom home with an open-plan layout, sunny garden, and spacious interiors.</a></li>



<li><a href="https://www.skiptonproperties.com/property/the-ashton-plot-31/"><strong>The Ashton (Plots 30 or 31)</strong> – A perfectly formed three-bedroom natural stone home with a traditional layout and countryside views.</a></li>



<li><a href="https://www.skiptonproperties.com/property/the-emily-plot-33/"><strong>The Emily (Plot 33)</strong> – A stunning four-bedroom family home in natural stone, ideal for a growing family, with picturesque countryside surroundings.</a></li>
</ul>



<p>&nbsp;</p>





<p>&nbsp;</p>



<p><strong><a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/">Croft Mill, Foulridge Near Colne in Lancashire</a></strong></p>



<p>Looking to make your move even easier? At <strong><a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/">Croft Mill</a>,</strong> our homes are already so affordably priced that we’re unable to offer our Black Friday flooring promotion. However, with <strong>Part Exchange,</strong> you could reserve now and move into your brand-new home as early as January! (T&amp;Cs apply)</p>





<p>&nbsp;</p>



<p><strong>Why choose our family company to build your home?</strong></p>



<p><strong>Move Straight In:</strong> Luxury flooring included, so your new home is ready for you from day one.<br /><strong>Expert Craftsmanship:</strong> Built to exceptional standards with thoughtful design. From our family to yours.<br /><strong>Timeless Natural Stone:</strong> Homes built to age beautifully, with character that lasts.<br /><strong>Added Luxury:</strong> Premium flooring from Invictus (durable, waterproof, and guaranteed for 20 years) and Cormar Carpets (soft, premium with a 2-year guarantee) included free during this Black Friday offer.<br /><strong>NHQC Certified:</strong> Complete peace of mind when buying a new home with us.</p>



<p><strong>Act Fast!</strong><br />This exclusive offer is available for <strong>one week only</strong> during our Black Friday event.</p>



<p><strong>Ends Sunday 1<sup>st</sup> December at 5pm!</strong></p>



<p><strong><a href="https://www.skiptonproperties.com/contact/">Contact us today</a></strong> to arrange a viewing or learn more about this incredible opportunity!</p>



<p>Start your journey to your dream home—simpler, faster, and with a touch of luxury.</p>




Black Friday Exclusive – For One Week Only


<p>Our Managing Director, Sarah Barraclough, recently joined BBC Radio 4 to discuss the Office for Budget Responsibility’s optimistic forecast that the UK could soon build more homes than it has in over 40 years. <em><strong>You can listen from 6:17 am on BBC Sounds!</strong></em></p>



<figure class="wp-block-image size-large"><img decoding="async" class="wp-image-64728" src="https://cms.verityandcohomes.com/wp-content/uploads/2025/09/SKIPTON_PROPERTIES_SARAH_HEAD_SHOTS_066-scaled.jpg" alt="Sarah B" /></figure>



<p>The government’s reforms to planning policy, including changes to Green Belt regulations and additional funding for construction skills, are being welcomed in some circles. But for smaller, independent housebuilders like us, the story isn’t so simple.</p>



<p>Speaking candidly on the Today Programme, Sarah laid out the real challenges our industry is facing:</p>



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<p><em>“The planning reforms released this week are old news as far as we’re concerned. It’s an ambitious target, but it’s flawed without resource.”</em></p>
</blockquote>



<p>Every day, we’re navigating a planning system that is under-resourced and overstretched. Statutory timeframes are rarely met. Conversations with planning departments, which should be the foundation for collaborative development, are often impossible.</p>



<p>While changes to the Green Belt and public land sound promising on paper, many come with conditions that are simply unworkable for landowners or for SME developers like us. And while unlocking land may benefit the larger national housebuilders, it does little for the SMEs who employ local people, support local economies, and build homes that families aspire to live in.</p>



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<p><em>“This isn’t land for people like us. We’re not the ones building new towns. We’re the ones creating beautiful, quality homes for real families in the places they already love.”</em></p>
</blockquote>



<p>Sarah also touched on one of our biggest concerns: the skills shortage.</p>



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<p><em>“Our workforce is aging. We try to support apprenticeships, but the entry requirements for young people, especially in English and Maths, create blockers. These kids want to be electricians, joiners, painters. They don’t need to write an essay about it.”</em></p>
</blockquote>



<p>At Skipton Properties, we’ll continue doing what we do best: building homes that people fall in love with. But to meet the nation&#8217;s housing goals, the voices of SMEs need to be heard, and supported, at every level.</p>



<p>We’re proud of Sarah for championing our industry on a national platform. Because if we want to build a better future, we need to start with an honest conversation.</p>




Planning Reform, SME Challenges, and the Future of Housebuilding: Our MD on BBC Radio 4


<p>We are delighted to announce our generous donation of £4,000 to <strong><a href="https://www.foulridgeparishcouncil.org.uk/">Foulridge Parish Council</a>.</strong> This contribution has been dedicated to enhancing the war memorial at the heart of Foulridge by funding new planters that will invigorate the community’s environment and ecosystem.</p>





<p>The recent enhancements at the war memorial are part of Skipton Properties’ ongoing commitment to creating thriving communities in the areas where we build. The new planters not only brighten up the local area but also align with the natural stone countryside aesthetic that Foulridge is known for.</p>



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<p>&#8220;We are immensely proud of our Croft Mill site in Foulridge, which has seamlessly integrated into the local community’s established look and feel. It’s important to us that our developments enhance and blend with their surroundings.&#8221;</p>
<cite>Caroline van Niekerk &#8211; Sales and Creative Director</cite></blockquote>



<p>Special thanks are extended to Anne Salter, representative of Foulridge Parish Council, for your efforts in organising the planters and ensuring they look so lovely. Your dedication to the community is truly commendable and has played a crucial role in this project’s success. Also thank you to Chair Kevin Salter and all the Foulridge Parish Councillors who volunteer and dedicate their time to looking after and maintaining the wonderful village.</p>





<p>Skipton Properties remains committed to supporting local initiatives and fostering community spirit. The transformation of the war memorial with these new planters is a testament to our dedication to enhancing the places where we build and live.</p>



<p><strong><a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/">About Croft Mill &#8211; our Development in Foulridge:</a></strong><br />Almost all homes are externally complete, showcasing their unique style and charm. With 13 three-bedroom and four four-bedroom properties, each equipped with solar panels for energy efficiency, it hosts an inviting village lifestyle. With two off-road parking spaces and private gardens, residents enjoy convenience and luxury. Visit us to witness the progress and explore nine distinct house styles.</p>



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<div class="wp-block-button"><a class="wp-block-button__link wp-element-button" href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/" target="_blank" rel="noreferrer noopener">View Remaining Homes</a></div>
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Skipton Properties Donates £4,000 to Brighten Up Foulridge War Memorial


<p>At Skipton Properties, we’re thrilled to present two of our finest homes at <strong><a href="https://www.verityandcohomes.com/find-your-home/the-willows-development/">The Willows in Silsden:</a></strong> <strong><a href="https://www.skiptonproperties.com/property/the-chadwick-plot-9/">The Chadwick</a> </strong>and <a href="https://www.skiptonproperties.com/property/the-woodrow-plot-11/"><strong>The Woodrow</strong></a>. Located near the serene canal, these homes combine modern elegance with the tranquillity of canalside living.</p>





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<h2 class="wp-block-heading">The Charm of Canalside Living Imagine starting your day with a peaceful walk along the canal, just steps from your front door.</h2>



<p>The Chadwick and The Woodrow offer not just beautiful homes but also access to the calming benefits of living near the water—a perfect escape from daily stress.</p>



<p><strong>Thoughtful Design and Elegance. </strong>The Chadwick is a sophisticated three-bedroom home featuring an open-plan living area, a stylish island kitchen, and bi-fold doors leading to the garden. Upstairs, a formal lounge with office potential and a luxurious master suite with a Juliet balcony await.</p>



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<p><a href="https://www.skiptonproperties.com/property/the-woodrow-plot-11/">The Woodrow</a> mirrors <a href="https://www.skiptonproperties.com/property/the-chadwick-plot-9/">The Chadwick&#8217;s</a> elegance but with an added fourth bedroom, providing even more space for family and guests. Both homes boast stunning elevations that enhance their natural surroundings.</p>



<p>Perfect for Entertaining! These homes are designed with entertaining in mind. Whether it’s a dinner party in the open-plan kitchen or a relaxed evening on the full-width balcony, both The Chadwick and The Woodrow impress. The spacious master suites, complete with en-suite bathrooms, offer a private retreat for relaxation.</p>



<p><em><strong>To the left is the view from the position of these properties!</strong></em></p>



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<p>&nbsp;</p>



<h2 class="wp-block-heading">Insights from our team</h2>



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<p>From a build quality standpoint, everything appears to be coming together with the usual high standards we uphold. The structure is solid, and the finishing touches are being executed with great attention to detail. The site team has worked efficiently to ensure that the build remains on schedule, despite any challenges that have come our way. The care taken during the construction process is evident in the quality of the final product, which I’m confident will exceed the future homeowners&#8217; expectations.</p>



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<cite><strong><em>Tom Raveglia, Site Manager</em></strong></cite></blockquote>
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<blockquote class="wp-block-quote has-text-align-right is-layout-flow wp-block-quote-is-layout-flow">
<p>The layout is not only aesthetically pleasing but also highly functional. The ground floor could be perfect for a cozy family room or a spacious office, ideal for those working from home. The middle level seems well-suited for communal living spaces, with easy access to outdoor areas, perfect for entertaining or simply enjoying the view. The top floor offers a private and peaceful retreat, with stunning canal views to wake up to each morning. </p>



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<cite><strong><em>Karen Lencki, Sales Advisor </em></strong></cite></blockquote>
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<p>&nbsp;</p>




Introducing The Chadwick and The Woodrow: Canalside Living Redefined


<p>For first-time buyers, purchasing a home is one of the most exciting milestones in life. It’s a moment full of hope, excitement, and a sense of new beginnings. But with the housing market constantly evolving, timing is everything. If you’re considering buying your first home, now might be the perfect opportunity to take the leap, especially given some upcoming changes to the stamp duty rates.</p>



<h2 class="wp-block-heading">What’s Changing?</h2>



<p>Currently, first-time buyers benefit from a special nil-rate stamp duty threshold of £425,000, meaning that if you’re buying a property up to this amount, you won’t pay stamp duty on the first £425,000 of the purchase price. This favourable rate applies to properties with a purchase price of up to £625,000. <strong>However, from 31 March 2025, this threshold will reduce. The nil-rate band will drop to £300,000, and the maximum purchase price to qualify will be £500,000.</strong></p>



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<h2 class="wp-block-heading">What does this mean for you? If you’re a first-time buyer and purchase a property worth £425,000 today, you’ll pay no stamp duty on it. But if you wait until after March 2025, you’ll face an additional £6,250 in stamp duty fees on the same property—making now a far more attractive time to buy.</h2>
</blockquote>



<h2 class="wp-block-heading has-accent-color has-text-color has-link-color wp-elements-4b01590fa93a444e4da7b1e3e325cda9"><strong>Why Wait? Let Us Help You Secure Your Dream Home</strong></h2>





<p>At Skipton Properties, we understand the importance of getting the timing right when purchasing your first home. That’s why we want to make this process as seamless as possible for you. We currently have a range of beautiful first-time buyer homes available that not only fall within the current nil-rate stamp duty threshold but are also crafted with the exceptional quality and care we are known for.</p>



<p>Our homes aren’t just bricks and mortar; they’re the foundations for a happy, fulfilling life. We have carefully designed each property to be more than just a space to live—it’s a place where you can build your future, whether you&#8217;re starting a family, establishing your independence, or investing in your future.</p>



<h2 class="wp-block-heading">Explore Our First-Time Buyer Homes</h2>



<p><strong>We currently have several natural stone properties available that are ideal for first-time buyers, all eligible for the current stamp duty benefits. </strong></p>



<p>These homes offer the perfect balance of luxury and practicality, providing you with a beautiful, modern space that feels like home from the moment you step through the door.</p>



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<figure class="wp-block-image size-large"><a href="https://www.skiptonproperties.com/property/the-lark-plot-81/"><img decoding="async" src="https://cms.verityandcohomes.com/wp-content/uploads/2025/09/The-Lark-scaled-e1671446873774-1024x916.jpg" alt="" class="wp-image-39168"/></a></figure>



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<div class="wp-block-button has-custom-width wp-block-button__width-100"><a class="wp-block-button__link wp-element-button" href="https://www.skiptonproperties.com/developments/the-alders/">The Alders, Skipton</a></div>
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<h2 class="wp-block-heading"><a href="https://www.skiptonproperties.com/property/the-lark-plot-81/">Lark SL &#8211; Plot 81</a></h2>



<p><a href="https://www.skiptonproperties.com/property/the-lark-plot-81/">A charming three-storey, three-bedroom home, Christmas gift included!</a></p>



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<h2 class="wp-block-heading"><a href="https://www.skiptonproperties.com/property/the-lark-plot-81/">£365,000</a></h2>



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<figure class="wp-block-image size-large"><a href="https://www.skiptonproperties.com/property/the-ashton-plot-15-ab/"><img decoding="async" src="https://cms.verityandcohomes.com/wp-content/uploads/2025/09/Untitled-29.7-x-21-cm-14.5-x-21-cm-3-707x1024.jpg" alt="Ashton Plot 15 - Bolton gardens - Portrait" class="wp-image-64551" style="object-fit:cover"/></a></figure>



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<div class="wp-block-button has-custom-width wp-block-button__width-100"><a class="wp-block-button__link wp-element-button" href="https://www.skiptonproperties.com/developments/bolton-gardens/">Bolton Gardens, Silsden</a></div>
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<h2 class="wp-block-heading"><a href="https://www.skiptonproperties.com/property/the-ashton-plot-15-ab/">The Ashton &#8211; Plot 15</a></h2>



<p>A cleverly designed three-bedroom semi-detached home, Christmas gift included!</p>



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<h2 class="wp-block-heading"><a href="https://www.skiptonproperties.com/property/the-barn-plot-76/">£325,000</a></h2>



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<div class="wp-block-button has-custom-width wp-block-button__width-100"><a class="wp-block-button__link wp-element-button" href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/">Croft Mill, Foulridge</a></div>
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<h2 class="wp-block-heading"><a href="https://www.skiptonproperties.com/property/the-lamb-plot-16/">The </a>Mustoe &#8211; Plot 14</h2>



<p><a href="https://www.skiptonproperties.com/property/mustoe-plot-14/">A detached, 4-bedroom home that is ready to move into! Christmas gift included!</a></p>



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<h2 class="wp-block-heading"><a href="https://www.skiptonproperties.com/property/mustoe-plot-14/">£389,950</a></h2>



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<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"><div class="wp-block-image">
<figure class="aligncenter size-large"><a href="https://www.skiptonproperties.com/property/the-emily-plot-4/"><img decoding="async" src="https://cms.verityandcohomes.com/wp-content/uploads/2025/09/THE_WILLOWS_SILSDEN_PLOT_4_THE_EMILY_FRONT_EXTERNALS_008.2-edited-682x1024.png" alt="Plot 4 emily" class="wp-image-64099" style="object-fit:cover"/></a></figure>
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<div class="wp-block-button has-custom-width wp-block-button__width-100"><a class="wp-block-button__link wp-element-button" href="https://www.skiptonproperties.com/developments/the-willows-silsden/">The Willows, Silsden</a></div>
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<h2 class="wp-block-heading"><a href="https://www.skiptonproperties.com/property/the-emily-plot-4/">The Emily &#8211; Plot 4</a></h2>



<p><a href="https://www.skiptonproperties.com/property/the-emily-plot-4/">A fine-tuned four-bedroom semi-detached &#8211; Christmas gift included!</a></p>



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<h2 class="wp-block-heading"><a href="https://www.skiptonproperties.com/property/the-emily-plot-4/">£</a>395,000</h2>



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<p></p>
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<p>These homes are ready for viewing, and we’d love to show you around. Our friendly team is here to guide you through every step of the process, ensuring that you feel supported and confident in your decision.</p>



<h2 class="wp-block-heading">Don’t Miss Out</h2>



<p>With the stamp duty changes coming in March 2025, now is truly the best time to buy your first home. By purchasing today, you could save thousands in additional costs while securing a property that will not only meet but exceed your expectations.</p>



<p>At Skipton Properties, we’re more than just builders—we’re here to help you create the life you’ve always imagined, in a home that is built to last.</p>



<p>Contact us today to explore our range of first-time buyer homes and take the next step towards owning your dream home.</p>



<div class="wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex">
<div class="wp-block-button"><a class="wp-block-button__link wp-element-button" href="https://www.skiptonproperties.com/contact-a-development/">Contact Us</a></div>
</div>


Why Now is the Perfect Time for First-Time Buyers to Purchase Their New Home


<p>As we prepare for 2025, the property market outlook shows positive momentum despite recent dips in asking prices. November saw an average price of £366,592, a 1.4% decrease from October, as sellers adjusted to attract buyers before Christmas. However, buyer demand rose by 23% following the latest Base Rate cut to 4.75%, and sales agreements increased by 26%, signalling renewed confidence.</p>





<p>Rightmove predicts a 4% rise in house prices over the next year, bolstered by improved affordability as mortgage rates gradually decline. This is encouraging news for buyers who delayed their plans in 2024.</p>



<p>Tim Bannister, a market expert, highlights that continued reductions in mortgage rates could drive a robust property market in 2025, particularly in traditionally active periods. For buyers, the combination of more affordable borrowing options and increased housing market activity presents a promising opportunity.</p>



<h2 class="wp-block-heading"><strong>Key Points</strong> for Buyers</h2>



<ul class="wp-block-list">
<li><strong>Current Trends</strong>: November&#8217;s average house price is £366,592, with sellers adjusting prices to meet demand.</li>



<li><strong>Increased Activity</strong>: Buyer demand is up 23%, and sales agreements have risen 26% compared to last year.</li>



<li><strong>Predictions for 2025</strong>: House prices are forecast to rise by 4%, driven by lower mortgage rates and strong market activity.</li>



<li><strong>Opportunities for Buyers</strong>: Gradual reductions in mortgage rates enhance affordability, offering a favourable time to move.</li>
</ul>



<p></p>



<h2 class="wp-block-heading"><strong>Why Choose Skipton Properties?</strong></h2>



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<p>As a family-run housebuilder, Skipton Properties is committed to creating exceptional homes with expert craftsmanship and thoughtful design. When you choose a Skipton Properties home, you&#8217;re not just buying a house; you&#8217;re investing in a community-focused lifestyle, innovative design, and quality that lasts. With exciting developments like <em><a href="https://www.skiptonproperties.com/developments/the-willows-silsden/"><strong>The Willows</strong></a></em> and <em><a href="https://www.skiptonproperties.com/developments/pendle-farm-worsthorne/"><strong>Pendle Farm</strong></a></em>, 2025 offers the perfect time to secure your dream home in a thriving community.</p>
</blockquote>



<p>Explore our homes today and take the first step towards your next chapter!</p>



<p><a href="https://www.rightmove.co.uk/news/articles/property-news/2025-house-price-forecast/?utm_content=hero&amp;lid=uy9pnp6u9ucp&amp;utm_medium=email&amp;utm_campaign=p5_b2c_mar-bct_email_mtg_engage_newsletter_251124&amp;utm_source=email-mtg">Source: Rightmove.com</a></p>




2025 Property Market Forecast: Insights for Home-Movers


<p>Time is ticking—find your forever home in this stunning natural stone development.</p>



<p>Nestled in the picturesque village of Foulridge (near Colne), our exclusive <strong><a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/">Croft Mill </a></strong>development is a tranquil escape featuring just 17 homes, creating a close-knit and intimate community. Surrounded by stunning natural stone architecture and illuminated by Victorian-style lantern streetlights, <strong><a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/">Croft Mill</a></strong> offers the perfect balance of rural charm and convenient commuting, with easy access to Colne and beyond.</p>





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<h1 class="wp-block-heading"><strong>The final three homes available are all our Lamb ho</strong>use-type!</h1>



<p><strong>The Lamb</strong>—a delightful semi-detached three-bedroom home that perfectly balances comfort and practicality. </p>



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<p class="has-accent-color has-text-color has-link-color wp-elements-746d72094b11f9589c2ca88ef44cbf8b">All of our &#8216;Lamb&#8217; homes at <strong><a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/">Croft Mill</a></strong>, are available with <strong><a href="https://www.skiptonproperties.com/wp-content/uploads/2024/04/Part-Exchange-TCs-April-2024.pdf">Part Exchange</a></strong> to make your customer journey seamless!</p>
</blockquote>



<figure class="wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex">
<figure class="wp-block-image size-full"><img decoding="async" data-id="62927" src="https://cms.verityandcohomes.com/wp-content/uploads/2025/09/CROFT_MILL_FOULRIDGE_PLOT_16_THE_LAMB_FRONT_EXTERNALS_003.2-scaled.png" alt="" class="wp-image-62927"/><figcaption class="wp-element-caption"><strong>A three-bedroom home: The Lamb</strong></figcaption></figure>
</figure>



<div style="height:26px" aria-hidden="true" class="wp-block-spacer"></div>



<p>Step inside to find a welcoming hallway leading to a cosy lounge, the ideal spot to relax and unwind. From here, the home opens into a stylish open-plan kitchen and dining area, complete with a turfed garden accessed through the lobby. A convenient downstairs WC and a useful storage cupboard make everyday living effortless.</p>



<p>Upstairs, the spacious landing leads to two generous double bedrooms, a single bedroom, and a luxurious family bathroom. An additional storage area ensures there’s a place for everything.</p>



<h2 class="wp-block-heading">What makes these 3 homes unique?</h2>



<p>Clicke on the tabs below to find out!</p>



<div class="wp-block-kadence-tabs alignnone"><div class="kt-tabs-wrap kt-tabs-id81071_ae455a-99 kt-tabs-has-3-tabs kt-active-tab-3 kt-tabs-layout-tabs kt-tabs-tablet-layout-inherit kt-tabs-mobile-layout-inherit kt-tab-alignment-center "><ul class="kt-tabs-title-list"><li id="tab-plot10" class="kt-title-item kt-title-item-1 kt-tabs-svg-show-always kt-tabs-icon-side-right kt-tab-title-inactive"><a href="#tab-plot10" data-tab="1" class="kt-tab-title kt-tab-title-1 "><span class="kt-title-text">Plot 10</span></a></li><li id="tab-plot11" class="kt-title-item kt-title-item-2 kt-tabs-svg-show-always kt-tabs-icon-side-right kt-tab-title-inactive"><a href="#tab-plot11" data-tab="2" class="kt-tab-title kt-tab-title-2 "><span class="kt-title-text">Plot 11</span></a></li><li id="tab-plot16" class="kt-title-item kt-title-item-3 kt-tabs-svg-show-always kt-tabs-icon-side-right kt-tab-title-active"><a href="#tab-plot16" data-tab="3" class="kt-tab-title kt-tab-title-3 "><span class="kt-title-text">Plot 16</span></a></li></ul><div class="kt-tabs-content-wrap">
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<h2 class="wp-block-heading"><a href="https://www.skiptonproperties.com/property/croft-mill-plot-10-the-lamb/">Plot 10, The Lamb &#8211; £288,995</a></h2>



<ul class="wp-block-list">
<li class="has-regular-font-size">South-facing garden</li>



<li class="has-regular-font-size">Natural stone home with solar panels</li>



<li class="has-regular-font-size">Allendale Sage Green Howdens kitchen</li>



<li class="has-regular-font-size">3 spacious bedrooms</li>



<li class="has-regular-font-size">Semi-detached </li>



<li class="has-regular-font-size">Desirable corner-plot, bordering development landscaping</li>



<li class="has-regular-font-size">Ready to move into </li>



<li class="has-regular-font-size">Easy access to development surrounding pathway</li>



<li class="has-regular-font-size">A completed, sunny development</li>



<li class="has-regular-font-size">Quiet location</li>



<li class="has-regular-font-size">Bright natural light home</li>



<li class="has-regular-font-size">Energy efficient</li>
</ul>



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<p class="has-small-font-size"><em>*Imagery features The Lamb, Plot 16, and the wider Croft Mill development. Kitchen colors may vary across Lamb homes, but all share the same house style.</em></p>
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</div>
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<div class="wp-block-kadence-tab kt-tab-inner-content kt-inner-tab-2 kt-inner-tab_d8aecd-7f"><div class="kt-tab-inner-content-inner">
<h2 class="wp-block-heading"><a href="https://www.skiptonproperties.com/property/plot-11-the-lamb/">Plot 11, The Lamb &#8211; £294,950</a></h2>



<ul class="wp-block-list">
<li>Natural stone home with solar panels</li>



<li>South facing garden</li>



<li>Greenwich White Howdens kitchen</li>



<li>Quiet development</li>



<li>EV Charging Point</li>



<li>Integrated washing machine</li>



<li>Energy efficient</li>



<li>Large kitchen area</li>



<li>Bright and airy living spaces</li>
</ul>



<div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex">
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<p class="has-small-font-size"><em>*Imagery features The Lamb, Plot 16, and the wider Croft Mill development. Kitchen colors may vary across Lamb homes, but all share the same house style.</em></p>
</div>



<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"></div>
</div>
</div></div>



<div class="wp-block-kadence-tab kt-tab-inner-content kt-inner-tab-3 kt-inner-tab_7795f9-bd"><div class="kt-tab-inner-content-inner">
<h2 class="wp-block-heading"><a href="https://www.skiptonproperties.com/property/the-lamb-plot-16/">Plot 16 &#8211; The Lamb &#8211; £274,995</a></h2>



<ul class="wp-block-list">
<li>Includes luxurious flooring</li>



<li>Natural stone home with solar panels</li>



<li>Allendale Dove Grey Howdens kitchen</li>



<li>Quiet development</li>



<li>3 bedrooms</li>



<li>Sunny garden</li>



<li>Large kitchen space</li>



<li>Semi-detached home</li>



<li>Energy efficient</li>
</ul>



<div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex">
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">


<p class="has-small-font-size">*Imagery features The Lamb, <a href="https://www.skiptonproperties.com/property/the-lamb-plot-16/">Plot 16</a>, and the wider Croft Mill development. Kitchen colors may vary across Lamb homes, but all share the same house style.</p>
</div>



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</div></div>
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<p>With its thoughtful design and timeless style, The Lamb offers a harmonious living experience tailored to modern lifestyles.          </p>



<p> Don’t miss this opportunity to own one of the final homes at <strong><a href="https://www.skiptonproperties.com/developments/croft-mill-foulridge/">Croft Mill, Foulridge</a></strong>.</p>



<p>Contact us today to arrange a viewing and make your dream home a reality.</p>



<div class="wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex">
<div class="wp-block-button"><a class="wp-block-button__link has-text-align-center wp-element-button" href="https://www.skiptonproperties.com/contact-a-development/">Contact us</a></div>
</div>




Just 3 left at Croft Mill, Foulridge (near Colne)…


<p>At Skipton Properties, we don’t just build houses – we create homes that stand the test of time, where life unfolds beautifully. Our commitment to thoughtful design and exceptional quality is only possible thanks to the passion and dedication of our team.</p>



<p>That’s why we’re thrilled to introduce two incredible new members to our Skipton family, each bringing their unique expertise to help us continue reimagining what it means to build a home.</p>




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<div class="wp-block-kadence-column kadence-column85084_b00b86-3c"><div class="kt-inside-inner-col">
<h2 class="wp-block-heading has-base-color has-text-color has-link-color has-x-large-font-size wp-elements-12c51f9bb9fce9d5b1a686b54cf46f86">Ashley &#8211; Junior Quantity Surveyor</h2>



<div style="height:15px" aria-hidden="true" class="wp-block-spacer"></div>



<p class="has-base-color has-text-color has-link-color has-medium-font-size wp-elements-b0bba032eebcdee558780e0186a01950">Ashley joins us with valuable experience from a range of commercial and residential projects across the North West. As Junior Quantity Surveyor, Ashley’s role will be vital in balancing budgets while maintaining the exceptional quality Skipton Properties is renowned for. His sharp eye for detail and dedication to excellence will help us continue to build homes that stand the test of time, while ensuring they remain within reach.<br>Outside of work, Ashley enjoys playing football and supporting local charities, demonstrating his strong sense of community. We are truly excited to have him on the team, and look forward to seeing his impact on our projects.</p>
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<h2 class="wp-block-heading has-base-color has-text-color has-link-color has-x-large-font-size wp-elements-14b41dbf1f5c8c77a486ce36216421ae">Matthew &#8211; Design Manager</h2>



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<p class="has-base-color has-text-color has-link-color has-medium-font-size wp-elements-1ee7d2dbf53768a14d66885588621f27">With a strong background in architectural technology and experience in both the residential and commercial sectors, Matthew brings a fresh, innovative approach to the Skipton Properties team. In his role as Design Manager, Matthew will work closely with our architects to strengthen our Housetype Portfolio, blending modern functionality with the warmth and character that defines our homes. His passion for new technologies will enhance our design processes and workflows, ensuring our homes remain ahead of the curve while staying true to the heritage that makes them feel like home.<br>Outside of work, Matthew enjoys cycling, playing cricket, and supporting Bradford City Football Club. His love for both design and sport reflects his drive to excel in everything he does. We’re thrilled to have him on board, and we can’t wait to see the creative impact he’ll have on our developments.</p>
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<h2 class="wp-block-heading">Building for the Future: Welcoming Ashley and Matthew to the Skipton Family</h2>



<p>At Skipton Properties, every brick laid and every detail considered is driven by a commitment to creating homes that will be loved for generations. With the addition of Ashley and Matthew, we’re excited to see how their expertise and fresh ideas will help us progress and continue to build the homes that define our family.</p>



<p class="has-text-align-center has-accent-color has-text-color has-link-color has-medium-font-size wp-elements-f2e92c774ba13aa7c756c2a10fdaf242"><em>We’re confident that with Ashley and Matthew on board, our team will continue to flourish, and our commitment to creating homes that are built to last will only grow stronger. Together, we’ll continue to shape communities, inspire future homeowners, and uphold the values that make Skipton Properties a family you can trust. Welcome to the team, Ashley and Matthew – we’re excited for the journey ahead!</em></p>


