Hayman-Joyce features in the January 2025 edition of Cotswold Life magazine for Dream Homes and also Market Comment. The online edition of Cotswold Life can be found on their website.
On page 43, Ridley House features in the Dream Homes section:
A Warm Glow in Cold Aston
Ridley House in the Cotswold village of Cold Aston is an elegant Victorian detached family home, built in 1899 and set in about one-third of an acre. The property comprises four bedrooms, three reception rooms, three bathrooms and boot room, having been extended by the current owners to create a large family kitchen and principal bedroom with en suite. Character features include high ceilings, sash windows, ireplaces and under-loor heating in parts, while outside there is a detached double garage, ample parking and an exquisite south-facing Cotswold country garden. There is potential to further extend subject to consents. On the market with Hayman-Joyce with a guide price of £1.6m.
View Ridley House.
In addition, Tom’s Market Comment also features in the prominent Cotswold publication, this time on page 69. Tom says:

Now is the time to buy.
Whether good news or bad what a market needs is certainty and following the budget we now have certainty. I am therefore confident the market will improve with values and the number of sales increasing.
Over the last few months, we have observed buyers waiting for the budget. This is backed up by Bank of England data showing household deposits with banks and building societies have been rising month on month. August saw £8 billion and September £8.2 billion rises – we have been saving and not spending.
October saw a 21% increase in the number of properties for sale in the North Cotswolds compared with the 10-year average for the month, following 22% in September. Buyers are spoilt for choice at present.
The additional 2% hike in Stamp Duty to purchase a second home making the surcharge 5% is Rachel Reeves plan to level the playing field and increase transaction numbers for those buying their main residences. My concern is this may compound the issue of a lack of landlords, discouraging landlords to purchase more properties and new landlords to invest. With many landlords selling up due to retirement and increased tax burden, we have seen rents rise 56% since 2019 according to our Hayman-Joyce data. On the flip side, against what was widely publicised, there was no increase in Capital Gains Tax for residential property.
These high rents mean that buying is more affordable in comparison and banks are very keen to lend – The Nationwide will lend six times household earnings at 95% loan to value (LTV) – so to buy your first home at £400,000 as a couple you would need a deposit of £20,000 (until 31st March 2025 there will be no stamp duty to pay, £5,000 thereafter) and a joint income including overtime and bonuses of £67,000. The Skipton Building Society is offering a 100% LTV mortgage.
In summary now is the time to buy – buying is cheaper than renting, there is a 21% oversupply of property to choose from and I predict values will rise significantly over the coming years.
For in-depth advice and strategy to secure the sale of your home or investment, please call in to our office in Moreton-in-Marsh, phone 01608 651188 or book an appointment at haymanjoyce.co.uk. Tom Hayman-Joyce.