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you need and the dedicated teams you want acting for individuals companies and major institutions . we are not newcomers ; our heritage means a great deal to us but it s the future that counts . that s why we are one of the strongest names in the property business doing what is best for our clients and making sure the vast range of advice we offer enhances their future prosperity . our specialist services valuations public sector infrastructure energy & marine architecture & building consultancy compulsory purchase minerals & waste management energy & marine services carter jonas has established a sound reputation for expertise in the energy and marine sectors . find out more infrastructures infrastructure projects are necessarily wide ranging with future needs a vital consideration just like carter jonas advice and professional services . find out more market appraisal find out how much your property is worth . our highly trained staff can provide a free market appraisal of your property to find out how much you could achieve . find out more public sector services carter jonas has an established public sector group providing a diverse range of core and specialist property services to clients within central and local government health education the emergency services and transport and energy sectors . find out more contact us carter jonas has offices throughout the uk including nine in central london . find your local office please select basingstoke birmingham bath boroughbridge bury st edmunds planning services edinburgh harrogate kendal leeds marlborough newbury north wales northampton oxford rural commercial & planning services oxford residential peterborough shrewsbury suffolk sutton griffin wells winchester york basingstoke birmingham bath boroughbridge bury st edmunds planning services edinburgh harrogate kendal leeds marlborough newbury north wales northampton oxford rural commercial & planning services oxford residential peterborough shrewsbury suffolk sutton griffin wells winchester york browse our a z of services publications view all publications commercial property outlook 2016 research by carter jonas suggests that total returns for commercial property will amount to 8.8 % in 2016 against returns of 13.4 % for 2015 with offices and industrial outperforming the wider market . download pdf research brexit 2016 in the event of a brexit open europe believes that all exporting sectors would be vulnerable to initial disruption mainly through higher tariffs . download pdf latest newscarter jonas sets a new record for price achieved in barnesnew office in birmingham uk s key infrastructure hubcarter jonas appointed by kew gardens to let houses on estatecarter jonas enhances london planning and development team with appointment of adam harmanexceptional oxford campus of the open university comes to the market rt landaid landaidday is the property industry s biggest day of fundraising . here s what it s all for bit.ly 2bolbeh from our blogjames stephenpartner ruralfarm borrowing in the uk farm borrowing in the uk has doubled in the last decade and at the end of october 2015 stood at 17.7 bn but with interest rates at historically low levels is now the moment to consider fixing rates for at least some of your long term borrowing this is a notoriously difficult question to answer and one on which i am not qualified to advise but what is for certain is that the long term fixed rates which are currently on offer are well below anything i have seen in my 25 year career.having said that those borrowers who have stuck with variable rate loans over the last 6 or 7 years will have generally fared better than those on fixed rate loans . this is because base rates have remained fixed at 0.5 % since 2009 then fallen to 0.25 % in the wake of the brexit referendum and while there is still potential that rates could fall further one may question why one should consider fixing one s borrowing at all.well the primary advantage of fixing rates is that you know where you are in terms of repayments over the fixed term of the loan . to some borrowers this is a great comfort for budgeting purposes and it outweighs the higher interest rates that are usually charged for fixed rather than variable rate loans at any one time.however one can not help feeling that if a business can not afford the low rates that are currently being offered on fixed rate loans then the business should perhaps not be borrowing the money in the first place.indeed it seems we are in uncharted economic waters and with interest rates and inflation remaining low this means that the value of any money that is borrowed today will not be eroded in real terms by the effects of inflation as it was in the 1970s and 80s for example . therefore currently it is not so much the interest payments but the capital repayments that represent the most significant element of repaying one s debt.but this era of low interest rates and low inflation may not last forever and one may rue the day that one did not take advantage of the long term fixed rates currently on offer . therefore now maybe a good moment to consult your financial advisor to see what offers are out there whether that be borrowing from one of the high street banks or specialist agricultural lending institutions such as the agricultural mortgage corporation.finally whatever decision you do make you must be sure to understand the terms of your loan and in particular where fixed rate loans are concerned you need to appreciate the potential redemption charges that may apply if you want to repay a loan early.james stephen mrics faavpartnerrural practice chartered surveyor wellst 01749 683381e james.stephen carterjonas.co.ukread more homepageour servicesresidential agencycommercialcommercial property searchrural land & businessplanning & developmentarchitecture and building consultancyminerals & waste managementa z servicesbuybuy residential propertybuy development landbuy london propertybuy new homesbuy commercial propertybuy farms land & estatesbuy minerals & waste sitessellbook a market appraisalsell residential propertysell london residentialsell new homessell commercial propertysell farms land & estatessell development land sell minerals & waste sitesrentbook a market appraisalrent residential propertyrent commercial propertyrent farms land & estatesrent minerals & waste sitescontactabout usnews & eventsjoin usmy site copyright carter jonas 2016 privacy policy terms & conditions site map accessibility site feedback complaints procedure