A friend and I visited Chatsworth Park recently and decided to visit Wander Coffee cafe for the first time. We weren't expecting any vegan options but were delighted to hear that the lady serving us was vegan and they had loads of vegan options.
We had the huge gooey and chocolatey cake with lovely icing on top and I had a soya milk (they also have oat) and my friend had an ice cooler.
Lifetime mortgages are a way of using the value of your home to free up some spending money and are exclusively available to homeowners aged over 55.
Before you make any decisions, speak to your adviser; there is lots to consider before signing up. In fact, a specific qualification in Equity Release is required to advise on lifetime mortgages because they can be complex.
This means your usual adviser may not be able to help you, however, they will be able to point you in the direction of someone who can.
So, what is a lifetime mortgage and why would you want one?
A lifetime mortgage is when a homeowner takes out a mortgage using the equity within their home e.g. 25% of the value of the property. The amount you can borrow depends on your age and can be affected by your health too. As a general rule, lifetime mortgages are only available to people over 55 and you can borrow more the older you are. The money can be taken all at once or in smaller payments through a ‘drawdown’ option.
The way that a lifetime mortgage differs to other mortgages, is that the loan doesn’t need to be paid off until the homeowner passes away or moves into long-term care. As a result, unlike a standard residential mortgage, the size of the loan increases as interest builds up. However, lenders within the Equity Release Council offer a “no negative equity guarantee”, which means you (or your next of kin) will never owe more than the property is worth.
The longer the mortgage is in place, the more interest will be added and these mortgages can carry hefty early repayment charges should you wish to repay it early. There are some lenders who allow you to pay off some, or all, of the interest during the loan, which helps prevent the loan from increasing in size. Do speak to your Equity Release adviser about how interest works with lifetime mortgages, as they will be able to explain the risks and options in more depth.
Taking out a lifetime mortgage is a way to turn the equity within your home into money that you can spend during later life, for example on the holiday of a lifetime. It is something worth considering if you might be interested; however, you should also be aware that a lifetime mortgage will reduce the value of your estate, meaning less inheritance for your loved ones.
So, if you are interested in Lifetime Mortgages, speak to your adviser to find out your options.
Chris Browning CeMAP CeRER (Mortgage Director)
The Mortgage House
Mitch and Isabell started a YouTube channel called "Easy English" a year ago in July last year after Mitch lost his job due to the COVID pandemic: youtube.com/easyenglishvideos
Their aim is to teach the English language through street interviews (asking various questions to the people of Brighton) and home videos, showing the different dialects, accents, slang and nuances in the English language and various cultural aspects of English life.
Their channel turned a year old on 13th July, and they currently have 35,000 subscribers and 750,000 views already on their channel.
They also offer a range of learning exercises on our Patreon membership, such as transcripts, vocabulary lists and various media downloads, these are all specifically connected to each episode we produce.
They're both Saltdean locals and conduct the majority of their interviews in the area (mostly by the sea).
Peacehaven Town Council (PTC) does not control bus services but it does want to get a better deal for our community and to be your voice. To do this PTC needs help from you to understand where bus services are working well and where they are falling short. Please complete a short survey - it will only take a few minutes and will help PTC to lobby Lewes District Council, East Sussex County Council and Brighton & Hove Buses.
Fill out the survey here: https://3va.org.uk/civicrm?civiwp=CiviCRM&q=civicrm/mailing/url&u=19202&qid=581886
Interested in auditioning or volunteering as crew for Rottingdean Drama Society's next show - Laying the Ghost by Simon Williams? Audition dates are Tuesday 3rd and Friday 6th August. Please bring a short piece for 2 voices that you have learnt - see characters in poster.
You can ask anyone at the audition to read the other voice for you.
If you would like to join the crew in any capacity - set building, painting and finding or making props are all hugely valuable - please contact Jo on email@example.com.
More information in the poster and you can contact Jo on firstname.lastname@example.org.
The Saltdean Way path was covered in a previous post and in this post we look at points of interest in Saltdean as seen from the Saltdean Way.
1. The Saltdean Lido, designed by RWH Jones, is the only Grade II listed lido in the country. First opened in the summer of 1938, it was used by the National Fire Service during the War, left derelict until 1964, revived for 30 years, then abandoned again. Community action saw it reopened in 2017 by The Saltdean Lido CIC which has been raising funds for its full restoration.
2. The Saltdean Barn - early 19th Century hay/corn barn. Used as a riding stables both before and after the war, it also served as HQ for the War Agricultural Committee and base for the Women's Land Army.
3. St. Nicholas Anglican Church, designed by Sir Edward Maufe, opened in 1964 alongside the earlier Hall which had served as a chapel since 1951.
4. Newlands Barn and Stables, 19th century flint buildings, now private, were once the warehouses and offices of Neville's Saltdean Estate Co.
5. The Mount Estate, laid out to Neville's design as holiday cottages around three public greens, was also used to house Royal Navy personnel during the War.
6. Looes Barn, early 19th Century, was long derelict before being converted to residences in 2002.
7. Pickers Hill Farm dates only from the 1940's as the original 18th century buildings were used for target practice by wartime troops stationed nearby.
8. High Hill is the new site of Balsdean Farm, rebuilt after the original medieval village in the adjacent valley was destroyed by Canadian artillery fire.
9. Whiteway Lane - Traditional smuggler's path.
10. The Saltdean Tunnel, built in 1933 by unemployed Welsh miners is part of the Undercliff Walk and Sea Defence which now runs 3.3 miles from the Brighton Marina.
Thanks to Saltdean Community Charity for compiling the information.
The Saltdean Way is approximately 3 miles long and a lovely 2 hour walk to take in the sites of Saltdean. The path is moderate to rough as well as muddy and steep in some places so ensure you wear some sturdy shoes. Full details below and keep an eye out for a future post on the points of interest in Saltdean.
1. From the Saltdean Lido cross the Oval.
2. Walk north to the Saltdean Barn.
3. Continue north on Saltdean Vale past St. Nicholas Church and Hall.
4. Pass Newlands Barn on your left.
5. The Mount Estate - laid out as 1930's holiday homes - lies off to your right
6. Continue north past shops and bus stop. Looes Barn lies off to your left. Head straight ahead onto unpaved bridleway.
7. Follow bridleway through the gates to Pickers Hill Farm. Where paths intersect, turn left toward farm fields.
8. Climb High Hill with fence on your right, reaching Balsdean Farm, then turning left with views of the sea and downs.
9. The path ends at Bishopstone Rd. Turn right and take the byway known as Whiteway Lane down to Rottingdean Village. Head south down to the seafront, turn left and take the Undercliff Walk.
10. Arriving at the Saltdean Tunnel and going back through to the Lido.
Greenhavens Network, the community organisation connecting people and wildlife, has several events coming up over the summer in Peacehaven, Newhaven and Seaford including bug and butterfly training, and eco fair and a walkabout.
Full listings below. To book events email Greenhavens Network on email@example.com or message on Facebook here.
13th and 20th July: Introduction to Youth Work course. This is a free two-part course (Tuesday 13 July and Tuesday 20 July, 10am - 3.30pm) that is being held by Sussex Clubs for Young People at Field Place Manor House & Barns (Worthing). Thank you, Green Tides, for offering our community groups the opportunity.
18th July: Greenhavens Network Meeting, a chance for us all to come together and chat and network – Newhaven Community Garden –– 1300 – 1500
24th July: Bug Training by Alice from the national charity Buglife for Community Groups and Wilder Gardens Champions – Lewes Hut, Newhaven, - 0930am -1230
1st August: Eco fair in Seaford- come along and meet us at the Salts at the environmental fair – thank you Seaford Town Council for inviting us.
15th August: Butterfly Training by Dan Danahar from Sussex Butterfly Conservation Society for Community Groups and Wilder Garden Champions, Newhaven and Peacehaven, details TBC
TBC in august: Training to make bee hotels, bird and bat boxes and compost training
18th September: Greenhavens Network Workshop – Planning the Future – Lewes Hut, Newhaven, 10am to 12noon
TBC, possibly end of September: Walkabout in Peacehaven green spaces, scythe demonstrations and lunch
All training and events must be strictly booked in advance
The Greenwich Meridian trail has featured in the Guardian's 10 lesser known walks.
Inaugurated in 2009, to coincide with the 125th anniversary of the Greenwich Meridian, the walk begins at the Meridian monument in Peacehaven and ends, 273 miles later, on the coast at Sand le Mere in East Yorkshire. The walk is divided into four parts, each covered by a separate guidebook.
For the full article click here: www.theguardian.com/travel/2021/jun/13/10-best-lesser-known-walking-trails-in-uk
Guidelines for Peacehaven and Telscombe to help developers, landowners and the Town Council understand the expectations on design for the area have been published by the Peacehaven and Telscombe Neighbourhood Plan (NDP) steering group.
The area covers Peacehaven Town with its historic plotlands which form a large part of the residential development and the Meridian centre which is the main centre for the two towns. It also includes East Saltdean, Telscombe Cliffs and Telscombe Village, which is a conservation area with the oldest building having Norman origins.
The guidelines have taken into account factors such as surroundings, street layout, mobility, nature and public spaces and have been divided into character areas such as the plotlands, coastal road and town centre.
Plotlands and coastal road
The guide will ensure that the plotlands retains its views to the sea and buildings must reflect the existing bungalows albeit with a more contemporary approach. The grid layout and green verges will be retained and types of housing have been suggested which reflect the character of the area.
Image: Proposed street transformation of Coastal Plotlands and Plotlands character area.
Proposals for the coastal road include an environment that prioritises pedestrians and cyclists, more spaces to interact and moving car parking to the rear of new buildings where possible.
More flexible public spaces have been suggested as well as walking and cycling connections to the wider town and providing enough car parking without dominating the landscape. Other recommendations include rainwater harvesting, solar roof panels, green roofs and electric car charging points.
The Design Guide will now be used to inform future development and will be used by developers and landowners to understand expectations and by community organisations as a way to promote community-backed development and to inform comments on planning applications. The full document can be accessed on the website.
Cathy Gallagher, Chair of Steering Group
Facebook: Peacehaven & Telscombe Neighbourhood Plan