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Broadband Quality Second Most Important ‘Must Have’ When Buying a Home

A super-fast internet connection can add £5,000 to the value of a property, according to more than 294 UK estate agents.

The comment came on the back of a survey which showed that a great broadband connection ie ‘full fibre’ is a main priority for many house buyers. To the extent that 34 per cent of buyers surveyed by Omdia said they wanted speeds of more than 300Mbps. Another 23 per cent are demanding 1 Gbps.

Broadband second only to property size

The main priority for house buyers, according to the survey was the size of their property (23 per cent), closely followed by 20 per cent stating that broadband quality was their number one. A further 18 per cent said they were more interested in the number of bedrooms, 10 per cent the age of the house or apartment was more important, while nine per cent said they would prioritise transport links.

“Poor wi-fi and a bad mobile signal can be a deal breaker,” admitted one estate agent, “while fibre broadband adds to the appeal.”

All homes to have full-fibre broadband by 2026

Telecoms regulator Ofcom say around 18.2 million homes (62 per cent) already have access to 300Mbps or faster, according to their research. The government meanwhile say they will fit out every home in the UK with full-fibre and gigabit-capable broadband by 2025.

A spokesman for London-based estate agent Foxtons admitted internet connections had increased in importance since the pandemic, in particular, but that buyers still valued schools and local amenities, as well as the size of a property.

Narrowing of the north-south property price divide

Meanwhile, predictions from another estate agent also made headlines this week in the property press. Upmarket Savills says it expects the north-south property price divide to narrow considerably over the next five years. 

Both areas will still see growth – albeit northern growth should be higher than southern – but overall house prices could have increased by 13 per cent by the time 2026 comes around, they say. This is broken down into 4.5 per cent for Yorkshire and the Humber and the north-west over the next year, two per cent for London and three per cent for the rest of the UK.

The north’s ‘affordability cushion’

A company spokesman said: “There remains more of an affordability cushion beyond London and the south. The government’s levelling-up agenda has the potential to accelerate a rebalancing of the market but only if it gains meaningful traction.”

Despite the bigger increases in the north, London prices will still remain far higher with forecasts of property averaging £713,987 in the capital by the end of 2026, compared to averages of £272,732 in the north-west and £266,417 in Yorkshire.

Rental growth even higher than capital increases

And it is not only capital growth that Savills predicts will rise into double digits by 2026 – rental price growth is also expected to be up. And analysts at Savills say that will outshine capital growth at 19.9 per cent by 2026.

14-year Monthly Record for House Price Rises

House prices in England hit a new monthly record in September as they increased in value by 1.7% between August and last month. And that was the biggest monthly rise since just before the recession in 2007.

The figures were from the latest Halifax Price Index and were a reversal of the previous three months where property values had fallen month on month.

Property up £18,000 year-on-year in September

The 1.7% rise worked out at £4,425 added to the price of the average home in England, bringing that figure to £267,587 for September. It’s a jump of £18,000 on September 2020 when the property market reopened after the summer lockdown.

Other statistics, produced by the lender, show that the price of apartments have risen by 6.1% whereas both semi-detached homes and homes have gone up more – by 8.9% and 8.8% respectively. 

In terms of other areas of the UK, property inflation in Wales outdid all other areas, coming in at 11.5% last month. In Northern Ireland the figure was 9.3% and in Scotland prices rose by 8.3%.

South-west is England property price champ

In England, house price inflation is highest in the south-west, at 9.7%, bringing the cost of the average property there to £276,226. London, though, continues to lag behind the rest of the UK. Prices aren’t falling there anymore, but they aren’t rising as fast as the rest of the country at just 1% between August and September.

Estate agents say they are still more buyers than there are properties on the market. This brings property analysts to believe that prices, and the property market, will remain stable – despite the possibility of tax rises and inflation in the near future.

But Tom Bill, head of UK residential research at Knight Frank, refers to this property shortage as ‘an underlying weakness’ in the market. 

He said: “The imbalance between supply and demand is unsustainable and, in many cases, arises because prospective sellers are unable to find anywhere to buy themselves, creating a vicious circle of low supply. In some cases, they cannot even find properties to rent as a short-term option.”

Citing around 13 new buyers for every property listed in the UK last month, he said the last time there was such as short supply of properties was back at the beginning of 2020. In a bid to encourage house buyers now that the Stamp Duty Holiday has come to an end, mortgage lending is loosening too.

More mortgages coming onto the market

Certainly, the threat of rising inflation doesn’t seem to be having any effect on them. They offered lower interest rates in the third quarter of the year than the previous one. House deposits were lower too.

There is currently, what many in the industry would describe as a ‘mortgage war,’ taking place. Many High Street and online lenders are even vowing to introduce more mortgages until the end of next month. Most of the lending recently has been for re-mortgaging, rather than from those buying or first-time buyers (many of whom are still complaining of being priced-out of the market).

According to the Bank of England’s credit conditions survey mortgage lenders were encouraged by the improving economic outlook and rising house prices. Around 18% of them said they anticipated a further easing of credit conditions in the fourth quarter too. 

Even the prospect of what many believe will be a rise in the Bank of England’s base rate from 0.1% to 0.25%, around December, isn’t putting lenders off. Analysts say they will simply absorb the cost so that low interest mortgage deals will continue well into 2023.

Fewer Property Sales and City Rental Prices Down

As predicted, house sales fell in July – in line with the end of the most generous government Stamp Duty Holiday offering. 

And the slump was pretty big. Only 82,110 properties swapped owners in July, compared to 213,370 the previous month. 

The figure, produced by HM Revenue and Customs this week, shows a dip of 62%. It was 1.8% higher than in July last year but then, at the time, buyers, sellers and estate agents were still struggling with the lockdown demands of the pandemic.

Property analysts are predicting a rise in sales again in September – just in time for the end of the government’s current Stamp Duty tax-free saving on the first £250,000 of a property in England and Northern Ireland. Albeit, this isn’t expected to be as large as the surge in July.

Stamp Duty holiday like ‘opening a window’

But the market is still expected to continue to tick over post-October and beyond in the absence of the Stamp Duty Holiday – thanks to the pandemic effect forcing many individuals to rethink their lifestyles. As Sarah Coles, property analysts at Hargreaves Lansdown, so succinctly put it:

 [The Stamp Duty Holiday] didn’t create demand from nowhere. There was already a crowd of people ready to buy because of changes in how we wanted to live, and pent-up demand from the closure of the market during the first lockdown. The tax break just opened a window … through which this crowd of people tried to squeeze.”

The London property rollercoaster

Meanwhile, a Zoople analysis showed that on 15 locations where demand for property was falling, 10 of these were in London. Looking at the period April 5 to July 25, it discovered that in the capital’s SW and E postcodes, demand fell by more than a quarter (26.5%) compared to the previous four months.

Demand for property in areas such as Shoreditch and the City is poor, with many people continuing to work from home for the foreseeable future.

In other areas of London there is problems with cladding – lenders aren’t willing to give mortgages unless buyers present an EWS1 external wall safety certificate.

But there is good news for luxury inner London homes in the likes of Mayfair and Knightsbridge, thanks to the return of international buyers looking for a second home in the capital. 

North East has biggest drop in demand

In Newcastle upon Tyne and Cleveland and Teesside, demand fell by 18.7% and 18.5% respectively. However, some locations in the North East enjoyed a 15% rise to June so figures were normalising. And, although demand in Darlington fell 27.1%, it was still historically high – 53% above the average in the same period in 2019.

Cities suffering slump in rental prices

When it comes to lettings, rental prices are rising fastest in the north east and south west. Both due to demand and supplies issues. Outside London, tenants are now paying 3% more for a rental, bringing the average cost to £780 per month. Zoopla’s Rental Market Report also shows it’s taking 16 days per property to rent out.

In the capital rents have fallen by 9.9% year-on-year, making it one of more affordable times to move there. In Leeds monthly rental prices have fallen by 0.7%. In Manchester they’re down 1.1% in Manchester, while landlords in Edinburgh are receiving 3.2% less than in 2019.

Average Rents Grow as House Prices and Sizes Fall

As the UK property market finally begins to slow down – especially for homes at the higher end of the market, the private rental market, it seems, is soaring. Or at least rents are. 

Average rents increase by 6.6% 

The latest report by the HomeLet Rental Index shows the average rent increased by 2.2% between June and July, with the figure now sitting at £1,029. That’s a record high and the second month in a row where the sum has exceeded £1000 per month. It’s also a jump of 6.6% in a year.

The biggest annual increases were in the South West with annual growth of 12.9%. Next was Wales at 11.8% rise, while East Midlands was third with 10.8% rental growth. Rents in London had a 2.1% annual increase, bringing the average rent in the capital to a monthly £1,645.

The reason for the increase is similar to that of property purchasing ie demand far outstrips supply. The Build to Rent sector – offering upmarket amenities and concierge services – is now beginning to fill some of that need, but there remain large gaps in supply.

House prices finally start to fall

This week also saw house prices fall for the first time this year. Rightmove’s latest House Price Index revealed the average property was valued at £1000 less this month compared to July. That’s a drop of 0.3%. According to Nationwide’s research they dropped 0.5% over the same period. 

The fall coincided with the government’s cut back on its Stamp Duty Tax break – and which is due to reduce even further at the end of September. The biggest property value falls were, not surprisingly, in four-bedroom homes (the type of property that benefitted the most from the more general £500,000 Stamp Duty Tax break.

Houses 8 sqm smaller today than 40 years ago

An interesting report by ElectricalDirect this week showed how, despite soaring house prices over the past few decades, the actual size (floor space) in property has shrunk. Where in 1980 you could count on having around 75 sqm of property to walk around it, for instance, by last year you were looking at your average property measuring 67 sqm.

The reduction in floor space is despite the fact that the cost of the average UK property has increased by a staggering 171% since 1980. Then it would cost £18,377 for your own home, today it’s around £247,898.

There are some areas of the country where house sizes have increased, however. In Cambridge buyers have 10% more space to move around in compared to previous years in the city. The downside is that they’ll pay for it. House prices there have increased by 57% sine 2011. 

You’ll get more value for money in the seaside resort of Blackpool where house size has increased by 3% and prices are only expected to rise to an average of £138,680 by 2025. Some analysts believe that by 2060 house prices will be double what they are today, meaning the average house will then cost a pretty staggering £422,723.

Momentum Slowing but House Prices Still Rising

The average property in the UK increased in value by £1000, last month – according to the most recent Halifax index. 

It brings the cost of the average house to £261,221. That’s £18,500 more expensive that the same time last year. July was the first month prices have been regarded since the ‘less generous’ Stamp Duty Holiday in England and Northern Ireland saw the £500,000 free tax threshold reduce by 50% to £250,000. In October it will revert to the usual £125,000 figure.

Annual house price rate falls for 2021

According to the High Street lender, the rate of increase for house prices last month was 0.4%, which was less of an increase than in July 2020. This means the annual house price increase for 2021 has fallen to 7.4%.

Russell Galley, Halifax’s managing director said he expected buyer activity to cool over the coming months, resulting in a steadier paced housing market by the end of the year. Despite this, fewer houses available compared to demand combined with continuing low interest rates means prices shouldn’t be falling any time soon – if at all.

Nicky Stevenson, managing director at the estate agents Fine & Country, said the Halifax figures showed that “the era of ballooning house prices is not over yet, even if a little air is now slowly starting to hiss out of the market.”

Greater mortgage availability and government schemes to help fund deposits were also helping to inflate prices. She added: “While annual growth has softened slightly since the frenzied heyday of the stamp duty holiday, there is still a great wall of money coming into the market despite the phasing out of this much celebrated tax break.”

This ‘great wall of money’ from affluent house owners who already have impressive amounts of equity in their existing homes, means many second steppers as well as first time buyers can’t afford to move home – certainly not at the present time. 

In fact, the price difference between a two-bedroom flat and three-bedroom house has doubled over the past decade. According to Zoopla’s figures the difference is £78,000, compared with £39,000 in 2010. 

North – South property divide widens

And, as people move towards greener spaces and bigger properties, the North and South divide continues to grow. Most popular destinations to move to judging by the rise in house prices from the Halifax survey, are the north-west and Yorkshire & Humberside. Wales also saw a large jump in house prices, with as much as 13.8%. London and the south-east, as well as the east of England witnessed far smaller house price jumps. Property in the capital was the lowest increase at just 2.5%.

House prices up 20% over five years says analyst 

Tom Bill, head of UK residential research at property agent Knight Frank expects prices to rise by as much as 20% over the next five years or so. This, he says, will be due to the fact more people will be working from home and looking for more space for their own office. He too sees continued migration to the countryside.

A “Perfect Storm of Demand” for UK Property

June 2021 was the busiest ever month on record for the UK property market.

HMRC saw 213,120 property transactions over the entire 30 days. That is the busiest since April 2005 when the government body first started recorded sales. 

The Stamp Duty Holiday helped boost the numbers in England and now although the biggest savings in stamp duty have passed, buyers can still save up to £2,500.

One senior analyst said June’s record reflected a “perfect storm of demand.” This, he said, was accelerated by “locked down buyers seeking more space.” The Stamp Duty holiday only exacerbated the situation.

Prices up 30% from previous peak

It’s not only the number of sales that are hitting records in the housing market. Prices too are peaking, with property 30% higher than the peak back in 2007, just before the markets crashed.

Zoopla recorded the average property price as £230,700 – an increase of 5.4% year on year. Meanwhile there were 25% fewer properties on the market for the first six months of this year compared to last.

Around 19 viewers for every property

As a result, NAEA Propertymark, which represents estate agents, reported that its members had approximately 19 viewings for every property on their books last month. Although this too will rebalance as the year continues, say the Association as the number of buyers declines in line with the ending of the Stamp Duty holiday in September.

In terms of cost, nearly half (40%) of properties were sold for more than the original asking price.

In Wales, property has risen by 8.4% over the past 12 months – that’s the highest growth in 16 years. In Northern Ireland it was even higher, with growth of 8.6%. 

Regionally, prices increased most in the North West (an increase of 7.3%) and Yorkshire & the Humber (up 6.8%). 

Places where property has gone up by £100,000

In terms of postcodes, there were locations were the price of a property had increased by more than £100,000 over the previous year. This is according to a survey commissioned by the Sunday Times.

It shows there are at least eight areas that qualify. These are – North Cornwall (ie Padstow and Polzeath), South Devon (Salcombe and Kingsbridge), East Suffolk, South Cornwall (eg Fowey), North Devon (Woolacombe and Croyde), Renfrewshire in Scotland (Kilmacolm) and North Somerset (Long Ashton near Bristol).

Inner London faring very poorly in comparison

Inner London as fared particularly badly over the past year. That’s for two reasons – the first being the absence of overseas buyers during the panic. The second reason is the desire to move to ‘greener pastures’ or ‘costal havens.’ Property in this luxury postcode market is actually 20% down on previous values, according to Savills. It’s believed the first reason will rebalance itself once airport restrictions on overseas visitors are lifted fully.

A Zoopla senior researcher said demand for houses was still far outstripping flats. She expected price increases for family-sized houses to continue over the coming months, peaking at 6% then falling to around 5% by December 2021.

Biggest Monthly House Price Rise Since 2007

House prices grew by the biggest monthly margin in June since 2007, new figures show. 

The Rightmove survey – which calculates on the basis of asking prices rather than actual selling price – reported a 0.7% jump between June 13 and July 10. This will have been accelerated by buying trying to benefit from the higher Stamp Duty holiday rate benefits. Since July 1 the tax-free figure now sits at £250 (rather than £500) until the end of September.

Asking prices ‘up’ 6.7% over last six months

The property asking price figure has actually increased by 6.7% within the past six months on the Rightmove portal. Government figures from the Office of National Statistics based on completed transactions, showed house prices had risen by 10% between May 2020 and the same period this year. That brought the cost of the average UK home to £255,000 (a jump of £23,000 within a year).

The most popular type of home has been terraced houses. In Wales, these rose in price by 15.2% and in England by 11.2%. Detached homes were the next most popular property in Wales and England, with price rises of 14% and 11% respectively.

North West property is biggest winner

Of course, the prices haven’t been across the board. Prices went up most in the North West (15%). London house valuations have suffered most, with the lowest annual increase of 5.2%). The main reason for this is the pandemic incentivizing more people to move to more rural areas. 

But a shortage of supply is also to blame for escalating house prices, say the Royal Institution of Chartered Surveyors (RICS). And they think this will continue to send prices soaring upwards over the next 12 months.

As far as moving out of cities is concerned though, some of the biggest winners when it comes to house prices have been villages and small commuter towns outside the capital.

Property ‘earning’ more than the average annual salary

In Hastings, Sussex, for instance they have increased so much that 62% of properties there increased more than the average salary this year, according to property portal Zoopla. In the South West, nearly one third of all homes have risen in value more than the house owner earns in a year. In the South East the figure is 28%.

In fact, the Zoopla study shows that one fifth of property in the UK earns more than the average salary (of £30,500).

Mortgage rates become more competitive

As a result, mortgage interest rates have gone down recently. Two high street lenders – TSB and Halifax – are offering two-year fixed interest rate deals of less than 1%. These do however, come with big deposit demands of 40%. 

Both 0.94% fixed rate deals have fees of just under £1000 and are only available for those looking to re-mortgage and those with equity have to pay higher rates.

Mortgage brokers admit the deals are good but that there are better ones on the table – especially those at higher rates but with no fee.

Commercial Property Preferences Change Post-Pandemic

Commercial property investors and landlords are repositioning their portfolios by selling up retail and office space and opting for student campuses and warehousing instead. 

Global investment firm Blackstone are just one of many companies who have gone down this route in recent months, seeing how the pandemic has altered the commercial and residential property outlook. In terms of the latter, city housing is being spurned in favour of villages and greener spaces or coastal retreats. In commercial property terms, it’s all about students – both in terms of accommodation and research & development facilities in particular (ie high-tech life sciences campuses). Warehouses are also faring well with the increase in logistics companies.

As one analyst put it, commercial property interests have switched from retail to “beds, meds and sheds” — residential housing, healthcare and life science property and warehouses.

That’s because, in 2010, retail outlets and offices made up 70% of commercial property sales. Today it’s only around 35%, according to Real Capital Analytics.

‘Golden triangle of Oxford, Cambridge and London’

Earlier this year a 40% stake in Magdalen College’s Oxford Science Park was offered at £100 million – more than five times what the College paid five years ago. The ‘sweet spot’ according to investors in the ‘golden triangle’ between Oxford, Cambridge and London. Around £2.4bn was invested in life sciences property there last year and there’s still room for growth say analysts. Most big investors want to get in from the off though, saying the big money is in building new campuses and labs.

Warehouse shares up 16% post-pandemic

An increase in online shopping – particular during the pandemic – has led to a huge demand for warehouse space by distribution companies.  Warehouse developer Segro shares went up 16% recently. Office supplier British Land and Land Securities have lost around 30% of their share price since the pandemic, while shares for shopping centre supremo Hammerson are down by 75%.

Buy to let landlords ‘growing in confidence’

The sector may have been hit by a raft of tough legislation in recent years, but the buy to let market is still strong. And it’s going from strength to strength, if the last quarterly report by the National Residential Landlord Association’s quarterly Landlord Confidence Index is anything to go by.

This is backed up by a report commissioned by The Deposit Protection Service which found that more than one third (34%) of existing UK landlords had – or were about to – increase their property portfolio. All said they were encouraged by recent price growth. 

House values increase 20% in five years

Records by the Office for National Statistics show the value of the average house in the UK has grown by more than 20% over the past five years (from June 2016 to March 2021). That’s from £212,887 to £256,405. In 1991, the average UK house value was just £57,000.

The rental market too is flourishing, with a 4% increase year on year in May this year, according to the Homelet Rental Index. That’s an average rent in the UK of £997 pcm.

Property Market Continues to Build Momentum

Around £5.1 billion – that’s the amount buyers in England paid collectively in Stamp Duty over the past year. 

It sounds a lot but it has saved those moving home a total of £3.6 million according to calculations by Hamptons estate agency.

Now that the deadline to save up to £15,000 in Stamp Duty fees is past, the most buyers can now save is an extra £2,500 – but only if they buy prior to October 1. After that Stamp Duty tax in England returns to its standard £125,000 tax-free rate.

It also means the average stamp duty payment has jumped from £3,242 last month to £6,920 today.

Stamp Duty easing – expensive areas hit hardest

Worst affected by the easing of the Stamp Duty Holiday, are those looking to buy in the more expensive areas, especially in the City of London where stamp duty has jumped by around £34,000 to £46,441 for the average bill. In Hull (one of the lowest house price areas), the standard Stamp Duty bill has only gone up by £110 – from £74 to £184.

A survey carried out this week by Moneysupermarket.com showed there will be no let-up in momentum for the property market over the next few months. That’s because one third of respondents said they were keen to get their purchase pushed through before October.

House price increase cancels out Stamp Duty saving

This is despite the fact that the opposition Housing secretary insists that it is the Stamp Duty cuts building momentum which has pushed prices up. Lucy Powell insists buyers have actually lost out because although buyers saved an average of £3,419, house prices rose by an average £21,956 within the past year.

She accused Rishi Sunak of “turbo-charging an already buoyant housing market”, insisting there was already pent up demand prior to the introduction of the stamp duty holiday.

This means first-time buyers who were already finding it difficult to save for a deposit, are now having to fork out an additional £18,537 for house price inflation.

1.8 million homes fall into higher Stamp Duty bracket

Meanwhile, at the other end of the scale, the rise in house prices has meant another 1.8 million homes have fallen into the higher Stamp Duty tax bracket, according to property portal Zoopla.

Their House Price Index also showed that houses are being sold nearly 50% quicker today than two years ago (22 days compared to 42 days in 2019).

A spokeswoman for the company said they believed 2001 will prove to be one of the busiest years for property transactions since the last global recession back in 2008.

House prices continue to fare poorly in London

It also showed London with the lowest annual growth of 2.2%. That put the Capital firmly at the bottom of the league table for the seventh time in a row, as residents move to greener pastures and coastal locations. Biggest price rises in the UK are in Wales (7.1%), Yorkshire and the Humber (6.1%) and the north-east of England (5%). 

Liverpool and Manchester were the two cities topping the list for highest price rises.

Stamp Duty ‘Bonanza’ Reducing Amidst Calls to Scrap it Completely

It’s been a long-time coming – although it’s still too soon for many potential house buyers – but Rishi Sunak’s bumper stamp duty holiday extension is to end on Wednesday, June 30.

The tax-free threshold will then halve from £500,000 to £250,000 for three months, before returning to its normal £125,000 at the start of October. 

The forthcoming deadline has rocketed the property market, and which itself has been flourishing since the Chancellor first made his tax-free incentive announcement in the summer of 2020. At the time the UK was in the grip of the pandemic.

Average house increased £22,000 in a year

The latest report from the government’s Office of National Statistics, the average house price had increased by 8.9% from April 2020 to 2021. According to the Halifax figures, that’s worth around £22,000.

Some property analysts are predicting a crash when the Stamp Duty holiday finally peters out; others say the market is resilient enough and that there will be a slowdown in sales but no ‘big bang.’ That’s because demand is high and the UK is still in a housing crisis where there just isn’t enough homes to go round. This means supply is hardly likely to increase.

At the same time the hunt for ‘greener pastures’ is still a priority for many second-stepping city dwellers. First-time buyers have had the chance to save for a deposit during lockdown, increasing demand in that sector too.

Calls to abolish Stamp Duty completely

Despite this, many government economic advisors, as well as those within the property industry, are calling for the Stamp Duty to be scrapped completely.

 Julian Jessop, of the Institute of Economic Affairs said: “The constant tinkering with stamp duty is distorting the property market, leading to big swings both in house prices and in the number of transactions.

“Most economists agree stamp duty is a particularly damaging tax and it would be better to scrap it completely.”

His call was echoed by John O’Connell, chief executive of the TaxPayers’ Alliance who said: “Stamp duty is a terrible tax and the temporary cut has been a boon to many Britons.”

Sunak, meanwhile, has remained quiet on the matter. 

Stamp Duty: from late 1950s to today

The Stamp Duty Land Tax was introduced in the late 1950s at 1% over house prices of £30,000. Considering the average house at that time cost only £20,000, Stamp Duty wasn’t much of an issue for many home buyers.

In the mid-1990s the threshold doubled to £60,000 but calculating the tax became far more complicated, as new sub-thresholds were introduced. By 2000 there were four thresholds, with the highest paying 4%.

Today, it’s not unusual to pay £150,000 Stamp Duty on a home valued at more than £1m, thanks to the fact London homes over £937,000 come with a hefty 10% price tag.

As a result, the tax is viewed as a revenue winner by government. Were it to be abolished, they may be hard-pressed to find a similarly lucrative income stream.

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