Top stories this week
Rightmove house price index.....read more
CML: Gross mortgage lending declined in January.....read more
ONS: House Building: December Quarter 2009, England.....read more
HBF’s response to Treasury’s mortgage regulation consultation.....read more
Bank of England: Trends in Lending February 2010.....read more
John Healey: New sites will lay the foundations for new deal in house building.....read more
Quick Links
Housing market news
Industry news
Government and political news
Economic news
HBF news
Events
Alan Cherry
A memorial service to celebrate the life and achievements of the late Alan Cherry of Countryside Properties is to be held on Thursday, 18th March 2010 at 2.30pm. The service will be held at Chelmsford Cathedral and will be conducted by The Rt Revd Dr Laurie Green, The Bishop of Bradwell. All are welcome to attend
If you would like to make a donation in Alan’s memory the family’s chosen charity is St Francis Hospice via www.justgiving.com/AlanCherry
to top
The Rightmove house price index, published this week, reported that:
Scarce new sellers have bumped up asking prices by 3.2%, an average increase of £7,137 with London setting a new record of £427,987;
The monthly rise in the average house price, from £222,261 in January to £229,398 in February (+3.2%) is reminiscent of boom-times; there has been no higher rise since April 2007 when we saw a 3.7% increase;
January has seen record search activity on rightmove.co.uk, up 29% on the same period last year;
Rightmove state that the economic fundamentals cannot support further price increases of this magnitude.
Miles Shipside, Commercial Director of Rightmove commented:
“A price jump of over 3% is more comparable to the pre-credit-crunch boom-times. Sellers are setting their sights higher, and some agents are going along with them in order to win scarce instructions. Property for sale remains scarce in popular areas, but new supply to the market has to be priced at what buyers are willing and able to pay. An average increase of over £7,000 may prove to be a bit too spicy for some buyers’ tastes, now that economic constraints have forced them to develop a simpler palate.
“Where supply remains well below historic levels, which is especially noticeable in parts of the south, upwards price pressure looks sustainable. Sellers whose research indicates there are few properties like theirs on the local market have a spring window of opportunity. Where property supply is closer to pre-crunch levels, sellers should price more aggressively having critically compared their property to recent actual sales as well as to what’s currently on the market.”
http://www.rightmove.co.uk/news/files/2010/02/february-2010.pdf" target="_blank">Read more
to top
CML: Gross mortgage lending declined in January
Gross mortgage lending declined to an estimated £9.1bn in January, a 32% fall from £13.4bn in December and a 21% fall from £11.5bn in January 2009, according to the Council of Mortgage Lenders.
A decline is typically experienced between December and January. However, this is the lowest monthly total since February 2000 (£7.9bn) and the lowest January total since 2000 (£7.4bn). The larger than average drop between December and January this year seems to confirm the CML’s view that house purchase activity was boosted in December by a number of borrowers trying to complete their purchase before the end of the year to take advantage of the stamp duty holiday.
In this week’s market commentary, CML Economist Paul Samter commented:
“We remain in a period of uncertainty for the housing market and economy at large. The market certainly improved over the second half of last year and started 2010 in better shape than most would have predicted twelve months ago. More recent developments have been influenced by the end of the stamp duty holiday, and are likely to foreshadow a larger than usual seasonal drop off in activity in the early part of this year.
“However, the Bank of England is likely to keep rates low which should continue to mitigate mortgage payment problems and help cushion borrowers from the worst of the recession.”
http://www.cml.org.uk/cml/media/press/2558" target="_blank">Read more
to top
ONS: House Price Index - December 2009
The latest UK house price index statistics produced by Communities and Local Government were released this week.
The latest statistics release includes data based on mortgage completions during the month of December 2009.
The key points from the release are:
UK house prices were 2.9% higher than in December 2008 and 0.8% higher than in November 2009 (seasonally adjusted);
The mix-adjusted average house price in the UK stood at £200,307 in December 2009 (not seasonally adjusted);
UK house prices rose by 2.9% in the quarter ending December 2009. This compares with a larger rise of 3.1% for the quarter ending September 2009 (seasonally adjusted);
Annual average house prices rose in England (3.0%), Scotland (3.8%) and Wales (1.0%), but fell in Northern Ireland (-6.0%);
Annual average house prices paid by first time buyers in December 2009 were 6.8% higher than a year ago. Average house prices paid by former owner occupiers were 1.4% higher;
Annual average house prices paid for new properties in December 2009 were 1.5% lower than a year ago. Average house prices paid on pre-owned dwellings were 3.2% higher.
http://www.communities.gov.uk/documents/statistics/pdf/1469429.pdf" target="_blank">Read more
to top
HBF’s response to Treasury’s mortgage regulation consultation
HBF has made a submission to the Treasury’s consultation on mortgage regulation.
In our response we set out the industry’s concern that the proposal to extend Financial Services Authority regulation to second-charge mortgages was unnecessary in the case of new homes purchased via shared equity schemes such as HomeBuy Direct and would make it unattractive for home builders to offer such products.
We argued therefore that if second-charge regulation is to be introduced we would wish to explore ways in which home builders could offer shared equity schemes without needing to become FSA regulated.
On buy-to-let mortgages, we said we were not convinced that regulation was either necessary or practical.
http://www.hbf.co.uk/index.php?id=2354&tx_ttnews[tt_news]=13430&tx_ttnews[backPid]=2190&cHash=dfc2cedf3a" target="_blank">Read more
to top
CML urges Treasury not to regulate buy-to-let
The Council of Mortgage Lenders has responded formally to the Treasury's consultation on whether to extend the scope of mortgage regulation.
The CML agrees with the proposals to extend regulation to cover second-charge mortgages, and to ensure that borrowers are sufficiently protected when mortgage books are sold on, but disagrees for several reasons with the proposal to extend "conduct of business" regulation to buy-to-let lending.
On second-charge lending, the CML's longstanding position has been that all secured lending should be regulated in the same way under the FSA. This would create a coherent and comprehensive framework, more aligned with EU regulation, although there is a need to ensure that the impact on low-cost home-ownership is properly considered before proceeding.
The CML also agrees that consumers could potentially suffer when mortgage books are "sold on" and that regulatory scope should be extended to address this.
However, regulation should only cover acquirers when they take day-to-day decisions on the interest rate, other charges, service levels, and arrears management. Where the power over these decisions has been delegated to a servicer or administrator, which is itself regulated for these activities, then there should not be "double" regulation. The CML cautions that it is also crucial to avoid unintentional problems for securitisation and covered bond transactions.
However, the CML disagrees with the proposal to extend regulation to buy-to-let loans. It would not result in increased consumer protection, would almost certainly capture an inappropriate range of commercial transactions, and fails to address the issue of advice on whether to invest in property at all, which is much more likely to be a cause of consumer detriment than the mortgage itself. It is also the wrong way to address concerns about systemic risks, which are more appropriately addressed through prudential rather than conduct of business regulation.
http://www.cml.org.uk/cml/media/press/2548" target="_blank">Read more
to top
BSA: “Buy-to-let regulation would fail”
In its response to the Treasury’s consultation, the Building Societies’ Association (BSA) said that plans to regulate buy to let mortgages could see the Government’s objectives to increase investment in the UK private rental sector fail.
It said the proposals would fail to address the underlying issues in the buy-to-let sector and, could result in even more lenders’ withdrawing from the market as the proposals fail to reflect the investment decisions that buy to let borrowers make.
Commenting Paul Broadhead, Head of Mortgage Policy at the BSA said:
“The decision to enter into the buy-to-let market is an investment decision made by the borrower. Including buy to let mortgages in the same regime as owner occupied mortgages would not be practical. Subjecting buy to let investors to affordability and suitability assessments in the same way as owner occupiers is not appropriate, and would result in a further constraint in the supply of quality housing to the private rental sector.
“Only regulating part of the market makes no sense at all and would only serve to confuse the market and to provide a loophole that less reputable organisations could take advantage of.”
http://www.bsa.org.uk/mediacentre/press/buy_to_let.htm" target="_blank">Read more
to top
ONS: House Building: December Quarter 2009, England
The latest national statistics on house building were released under the auspices of the UK Statistics Authority this week.
Statistics in this release present figures on new build housing starts and completions in England. Figures for the UK and constituent countries are also available in the accompanying tables. The latest statistics report on the period October to December 2009.
Key points from the latest release are:
There were 21,880 seasonally adjusted house building starts in England in the December quarter 2009;
Housing completions in England were down by 3% to an estimated 28,200 (seasonally adjusted) in the December quarter 2009 compared to the previous quarter. Compared with the December quarter 2008, completions were down by 12%;
Private enterprise housing completions (seasonally adjusted) were 3% lower in the December quarter 2009 than the September quarter 2009, and 10% lower than in the December quarter 2008;
Annual housing completions in England totalled 118,000 in the 12 months to December 2009, down by 17% compared with the 12 months to December 2008;
The average energy efficiency, SAP rating, of new homes in England was 79.2 and in Wales 78.8.
A number of improvements to the timeliness and accuracy of the data on starts have been introduced in the statistics for the December quarter. Equivalent changes will now be made to the starts statistics for previous quarters and the revised historic series is expected to be published with the next quarterly return in May.
http://www.communities.gov.uk/publications/corporate/statistics/housebuildingq42009" target="_blank">Read more
to top
Massive corporate manslaughter fines could bankrupt firms
Corporate manslaughter fines - some running to millions of pounds - could put companies out of business, according to Shoosmiths.
The national law firm says newly-published guidelines reveal businesses and other organisations will usually be fined no less than £500,000 under the Corporate Manslaughter Act, and could be made to stump up millions.
The Sentencing Advisory Panel (SAP) also recommended that for health and safety offences causing death, the appropriate fine will seldom be less than £100,000, and may be measured in £100,000s or more.
Offending organisations will also be made to take out newspaper advertisements announcing their prosecution, which could seriously damage their reputation.
Shoosmiths partner and regulatory specialist Ron Reid said:
“Levels of fines for offences involving death are going to be much larger than those seen in recent years, and could prove a hammer blow for those made to pay fines running into £millions.
“Even smaller fines for small to medium enterprises could see them struggle to carry on.
“Any organisation yet to consider the substantial risk posed by this legislation must act immediately, and they’d do well to note this passage from the guidelines: ‘...whether the fine will have the affect of putting the defendant out of business will be relevant; in some bad cases, this may be an acceptable consequence’.”
Reid added: “A failure to respond to near misses happening in similar circumstances to those of incidents leading to death will now be considered an aggravating feature.
“So it’s important that all organisations have an effective near miss reporting system and they take remedial action where necessary.”
http://www.shoosmiths.co.uk/news/2840.htm" target="_blank">Read more
to top
OFT: More innovation needed in home buying and selling market
A shake-up in how homes are sold, including updating legislation to allow new entrants into the market, could lead to a better deal for house buyers and sellers, the Office of Fair Trading (OFT) said.
The OFT's study into home buying and selling, published this week, found that the housing market remains dominated by traditional estate agents with weak competition between them on price. As property prices rise during housing booms, so too do estate agents' fees.
The OFT believes that innovation in this sector, in particular through online services, could have a dramatic impact on the cost of buying and selling a home.
More than a quarter of sellers (27%) who used a traditional estate agent have considered using an alternative selling method, and experience from the US suggests that alternative brokerage models have the potential to put competitive pressure on traditional ways of buying and selling a home.
However, the way current legislation, dating from 1979, is framed may be hindering the development of new business models and needs reform so that new entrants, for example those that only introduce private sellers to each other, are not burdened with inappropriate regulation.
Beyond this, the OFT has found existing legislation as it applies to traditional estate agents is comprehensive and wide ranging, and that further regulation is unnecessary. Instead, the report says the focus should be on improving the enforcement of current rules to guard against serious breaches.
http://www.oft.gov.uk/news/press/2010/18-10" target="_blank">Read more
to top
NHPAU: New research highlights long-term nature of housing demand
New evidence suggests that demand for home ownership remains high over the long term, even though fewer people get on the housing ladder during a housing boom.
The findings come in a new report, "How do housing price booms and busts affect home ownership for different birth cohorts?" prepared for the National Housing and Planning Advice Unit by researchers at the Institute for Fiscal Studies.
It highlights that people who live through a house price boom in their 20s are less likely to own their home by the time they are 30 but, by the time they are 40, they will have largely caught up with groups who were able to buy in less challenging parts of the cycle.
One implication of these findings is that age groups that are less able to get on to the housing ladder due to above trend prices in their 20s continue to aspire to home ownership: "suppressed demand" has been shown to come back.
http://www.communities.gov.uk/nhpau/newsroom/naturehousingdemand/" target="_blank">Read more
to top
John Healey: New sites will lay the foundations for new deal in house building
Housing Minister John Healey has hailed the start of a “new deal” in house building with the first Government-owned land being made available under the Public Land Initiative.
Mr Healey described this as a drive to make better use of Government-owned land to build more homes, to lower costs and to increase competition in house building.
The Minister named the first three sites which, subject to planning permission, will deliver nearly 500 new homes - many of which will be made available for affordable rent or sale. The Public Land Initiative is expected to deliver up to 1,250 homes overall.
Under the initiative, Government provides the public land but takes out the upfront costs and risks involved in site purchase and preparation as contractors pay for the land only once the completed homes are sold. A panel of approved partners have been selected, reducing the contract bidding and procurement costs for public agencies that want to build homes this way. But in exchange for this reduced risk, developers take a smaller profit.
The Public Land Initiative could create up to 1,700 jobs and apprenticeships - with workers expected on the first of these sites within the next few months.
http://www.communities.gov.uk/news/housing/1472137" target="_blank">Read more
to top
Bank of England: Trends in Lending February 2010
This Bank of England monthly publication presents the Bank's assessment of the latest trends in lending to the UK economy.
The flow of net sterling mortgage lending by all UK-resident mortgage lenders slowed in December, though the three-month annualised rate of growth in the stock of lending remained unchanged. According to Lending Panel data, net mortgage lending by the major UK lenders decreased in January as gross lending fell by more than repayments. These data indicated that gross lending for house purchase declined in January, having risen through most of 2009, while remortgaging activity remained low.
The increase in gross mortgage lending for house purchase by the major UK lenders in 2009 was also reflected in a recovery in approvals for house purchase. But approvals for house purchase edged down in December and were reported by the major UK lenders to have fallen sharply in January.
In recent discussions, the major UK lenders reported that the recent slowing of mortgage lending and approvals reflected one-off factors. Lenders attributed part of the rise in gross mortgage lending towards the end of 2009, and its subsequent fall in January, to some homebuyers seeking to complete house purchases before the removal of stamp duty relief on 1st January 2010. Some lenders saw similarities on the approvals side, with approvals being sought earlier in the year to allow for completions before the year end. Lenders also noted that the severe weather around the turn of the year had depressed mortgage approvals in January, notwithstanding a recovery of activity in the second half of the month. The impact of the weather was also observed by contacts of the Bank’s regional Agents, who reported that viewings and new instructions to sell had been affected. Similarly, a sharp decline in the Royal Institution of Chartered Surveyors’ (RICS) new buyer enquires index, to levels consistent with falling demand for house purchase, was attributed by RICS to the recent weather-related disruptions. A number of major UK lenders reported that underlying mortgage demand was little changed on the month.
On the supply side, some lenders continued to report a gradual increase in the availability of higher LTV products. This was consistent with data collected by Moneyfacts Group which showed the number of mortgage products being offered with LTV ratios of 75% or more rose in January to its highest level since September 2008.
http://www.bankofengland.co.uk/publications/other/monetary/TrendsFebruary10.pdf" target="_blank">Read more
to top
Bank of England: Minutes of the MPC meeting 3rd and 4th February 2010
The Bank of England has published the minutes of the Monetary Policy Committee meeting held on 3rd and 4th February, at which it was decided Bank Rate should be maintained at 0.5% and the asset purchase programme should be maintained £200bn. The minutes state that:
“Fundamentally, the economic outlook had changed little over the past few months. The medium-term headwinds to economic activity remained considerable. Although credit conditions appeared to have begun a slow process of normalisation, they would be likely to remain tight for some time. Meanwhile, the need to strengthen public and private sector balance sheets would weigh on spending. Opposing those headwinds was the stimulus from exceptionally accommodative monetary policy, and the past depreciation of sterling. The interaction of those opposing forces implied significant uncertainty over the outlook for demand. The stabilisation of labour and asset markets, as well as of confidence indicators, suggested to the Committee that the likelihood of the worst downside risks had diminished.
“[...] maintaining the current stance of monetary policy, without adding further stimulus, would allow the Committee an opportunity to judge more thoroughly the effects of the cumulative loosening of monetary policy that it had implemented since September 2008. In particular, while Committee members agreed that the stock of past asset purchases would continue to impart a significant monetary stimulus for some time, views differed about the precise duration and size of that stimulus. It would also enable the Committee to assess the strength of the emerging economic recovery as more reliable data became available.”
http://www.bankofengland.co.uk/publications/minutes/mpc/pdf/2010/mpc1002.pdf" target="_blank">Read more
to top
HBF last week made a contribution to the ongoing trade press debate on housing design quality, with a letter in Building Magazine that followed reports in a number of publications criticising house builders for poor quality design. HBF continues to work with Government Departments and CABE to establish a realistic measure of quality that developers can work with. The HBF letter is as below.
Dear Sir,
Home buyers quite rightly are the best judges of private housing quality. Let us never forget that in almost all cases they have a choice, and every time a new home is bought a household has to decide whether they could live comfortably and safely in the home being offered for sale. Home builders in turn must interpret and meet buyers’ expectations or they will go out of business.
Contrary to popular belief surveys show high levels of satisfaction among new home buyers:
A 2008 survey by CABE found 91% were satisfied with their home (5% dissatisfied).
OFT research in 2008 found 80% were likely to buy new again, 70% from the same builder.
HBF’s 2009 survey of 21,000 new home buyers found 77% were satisfied with the quality of their home (13% dissatisfied) and 76% would buy again from the same builder.
The BfL scheme, devised by HBF, the Civic Trust and CABE, was never intended as a comparative site scoring scheme. It was a set of desirable policy and design criteria, some design-related, some not. Non-design criteria include whether buildings or spaces “outperform statutory minima, such as Building Regulations”; whether a scheme makes use of “advances in construction or technology that enhance its performance, quality or attractiveness”; and whether there is a tenure mix “that reflects the needs of the local community”.
There is an ongoing discussion between HBF, Government and CABE about the appropriateness of the Building for Life (BfL) criteria to score and compare housing design quality across housing schemes and as a tool in planning.
The HCA’s objective with the Kickstart scheme is to get mothballed sites into production to deliver much-needed new homes and to preserve and create jobs. BfL was only one of a range of considerations used by the HCA when it drew up its Kickstart shortlist.
CABE’s desk-based scoring of Kickstart schemes suffered from an added problem that insufficient information about a particular BfL question resulted in a zero score.
Home buyers will eventually make their own judgements about the quality of homes on Kickstart schemes. In the meantime, this initiative will begin to lift housing completions and expand industry employment, something I would have thought everybody would welcome.
Stewart Baseley
Executive chairman,
Home Builders Federation.
http://www.building.co.uk/story.asp?sectioncode=483&storycode=3157398" target="_blank">Read more
to top
HBF in the news
HBF Planning Director Andrew Whitaker this week appeared on London’s Inside Out magazine programme to explain the barriers to increasing room sizes and why homes had become smaller over the years. He added some balance to a report that included contributions from a number of architects and property experts by detailing that land availability and thus cost was the main constraint to building bigger homes in the capital.
http://www.bbc.co.uk/iplayer/episode/b00qx2ky/Inside_Out_London_15_02_2010/" target="_blank">Watch again
to top
Haiti earthquake appeal
Following the earthquake in Haiti, HBF launched an urgent appeal to the house building industry on behalf of its nominated charity Habitat for Humanity (HfH).
The earthquake decimated the country's infrastructure and thus its ability to cope with the devastating impacts. It is a catastrophe of major proportions with early estimates suggesting that up to three million people have been killed, injured or made homeless.
Habitat for Humanity has been present in Haiti, working with poor and low-income families in need of decent housing since 1981. It has a Disaster Risk Assessment Team on the ground, establishing a clear picture of the situation and providing specialist shelter provision and reconstruction assistance. Further information about this is available on their website http://www.habitatforhumanity.org.uk" target="_blank">http://www.habitatforhumanity.org.uk
Whilst appreciating the difficult economic climate in which members are operating it only seems appropriate that our industry should support a charity that specialises in shelter provision, housing repair and reconstruction.
How quickly we raise funds will directly affect Habitat for Humanity's ability to assist now, when their help really is needed. Please help by making a secure online donation today. http://www.habitatforhumanity.org.uk" target="_blank">http://www.habitatforhumanity.org.uk
to top
New Homes Marketing Board / Smith Institute: Pre-Election Housing Debate 2010: The Conservative Agenda
Tuesday 23rd February 2010
The New Homes Marketing Board and the Centre for Social Justice are hosting an event in association with the Smith Institute that will look at Conservative proposals for housing delivery should they win the next election.
Speakers will include the NMHB chair David Pretty CBE; John Howell MP, Shadow Communities and Local Government team; Richard Blakeway, Housing Adviser to the Mayor of London, and Tim Montgomerie, editor, ConservativeHome.
It will be chaired by Gabriel Doctor, the Centre for Social Justice.
The event will run from 1800-1930 and will be followed by a drinks reception
Limited spaces available, to request a space please email
10th March, Westminster
The HBF's Policy conference will this year be a pre-election ‘Question Time' style debate featuring the main housing political heavyweights. Housing Minister John Healey and his Tory shadow Grant Shapps will take part in an open debate to be chaired by HBF Executive Chairman Stewart Baseley. The Lib-Dems are also expected to field a representative.
Questions will be taken from the assembled delegates on the key housing issues in what is sure to be a heated and fascinating debate with the General Election looming.
It will be followed by a debate featuring an expert panel of leading economists, including Citigroup's Michael Saunders and Capital Economics Ed Stansfield which will look at the prospects for both the housing market and the general economy.
<a href="http://www.house-builder.co.uk/documents/HBFPOLICY10-BF.pdf" target="_blank">Please click here to download a booking form
<a href="http://www.house-builder.co.uk/conferences_and_events/show_event/?event_id=73" target="_blank">Please click here to visit the website and to book online
Housing Lecture 2010: Labour's Agenda
Tuesday 23rd March 2010
The New Homes Marketing Board and the Centre for Social Justice are hosting an event in association with the Smith Institute that will look at Labour's housing policy proposals.
Speakers will include the NMHB chair David Pretty CBE; Rt. Hon. John Healey MP, Housing Minister,
It will be chaired by Paul Hackett, Director, The Smith Institute.
The event will run from 1800-1930 and be followed by a drinks reception
Limited spaces available, to request a space please email <a href="events@house-builder.co.ukmailto:events@house-builder.co.uk">events@house-builder.co.uk
Habitat for Humanity's Hope Challenge 11-13th June 2010
Habitat for Humanity, HBF's nominated charity will again be holding its Hope Challenge event in 2010. This unique and exciting outdoor challenge event will see teams;
Spending two days and two nights in the great outdoors
Sleeping in a self built shelter
Undertaking mental and physical team challenges
Last year's Hope Challenge was a huge success and had the competitors trekking around the Edale and Hope Valleys, with a base camp in the sheltered Vale of Edale. In 2010 HforH are planning a larger and more exciting event with walking routes encompassing the surrounding hills including the Skyline Ridge over Mam Tor and the lower reaches of Kinder Scout.
However this is no ordinary weekend of walking! Participating teams will also be tested on their initiative and teamwork... and by building, and sleeping out in, their very own shelter they will experience some of the challenges faced by those who live in poverty housing.
Think you can rise to the challenge? Want to join HforH in Hope Challenge 2010?
<a href="http://www.habitatforhumanity.org.uk/hopeinfo.htm" target="_blank">Find out more about Hope Challenge 2010
<a href="http://www.habitatforhumanity.org.uk/hoperegister.htm" target="_blank">Register your team for Hope Challenge 2010.
<a href="http://www.habitatforhumanity.org.uk/hopephotos.htm" target="_blank">Take a look at the photos and video of Hope Challenge 2009.
<a href="http://www.habitatforhumanity.org.uk/hopecontact.htm" target="_blank">Contact HfH with any questions about Hope Challenge.
TSY: Delivering design quality skills training programme
Transform South Yorkshire have developed the delivering design quality skills training programme - a free programme providing practitioners from the private sector, RSLs and local authorities with training that meets all levels of expertise.
The programme's approach will be practical, and aims to give professionals the tools they need to continue developing their design skills when they leave the session. The case study is at the heart of the teaching approach.
<a href="http://www.ddq.org.uk/emailers/skillstraining/index.html" target="_blank">Please click here for more information and details of how to book
For other HBF events visit the website <a href="../index.php?id=eventsandmeetings" target="_blank" title="
For HBM events visit <a href="http://www.hbmedia.co.uk/" target="_blank">http://www.hbmedia.co.uk/
Rosie Hinchliffe
View Previous Weekly News Summary