Average price of property in 2005 £127,870 % annual growth -2.9

Amenities Ideally located for all West End amenities including schools. Kelwiigrove Park. Kelvin Hall International and Glasgow University Transport Close to bus. rail routes. the underground network and only a few iiiiiiutes from the molonivay.

Eating Mother India's Cafe is a must. while Firebird dishes up excellent l)l//£t. pasta. beer and late night DJs. Byres Road is nearby and provides a larger ch0ice of eateries

Drinking Grab a coffee and cake at Beanscene on Argyle Street. the (teat. ()ll the same road. is good for a night out and Ashton Lane is a ten minute walk away

Shopping Cake On Dunibartoii Road is pertect for high quality street wear while there's an ample selection of boutiques and retro iiiagir, from the likes of Pink Poodle and Starry Starry Nights.

Downside Spotting poor wee kids going to hospital.

Famous Exports The first weekly shipping service to north America sailed from the ()tiay.

How should I pay off my mortgage?

There are two options. so you need to decide whether you want a repayment or

. interest only mortgage. Wlth a repayment mortgage you pay back both the money you borrowed and the interest each month. With an interest only mortgage, you would be repaying the interest only every month. In order to pay off the amount you have borrowed you need to take out an investment policy that could pay out handsomely later. But then again it might fall short of expectations.

It is possible to switch your method of repayment.

Kerry Moore, specialist drinks purchaser 'Yorkhill is the West End but I couldn't afford to live in the swankier postcodes. so l was pleased when the estate agents suggested it. As a single female. it was important for me to feel safe and to be within walking distance of lriends. not to mention my work and the pub. ‘Having lost out on two flats and spent $3240 on survey fees, I was determined not to waste more money on the third flat. so I decided to call the vendor myself and ask what price she'd accept. We verbally agreed a price and I offered subject to survey. After the Survey results came back. my offer was formalised and accepted. FOr me a second viewing proved essential. but buying was not as daunting as I'd teared.‘

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WEST END CHIC AT BOHO PRICES

This part of town is more commonly associated with the children's hospital. but lying on the periphery ot' the West lind. it's now being talked about as the alternatiye. more affordable option for lirst time buyers still wanting a trendy postcode. The area is likely to receixe a boost lt‘ottl cash injections with the reopening of the Kelyiiigroye An (iallery and the continued regeneration ol" the (‘lyde.

Phil (iraham of Allen & Harris says: ‘l‘it'st time buyers should expect to pay a reasonable price compared \\ ith the rest of the West [find and they should make money \‘L‘l'_\' quickly. Also. many of the buildings in the area are factored by the Yorkhill Housing Association. Wheneyer this is the case. the building is kept in great condition and is \‘L‘l'_\' well looked after.

DALNAIR STREET

V this would seem like the ideal first time purchase.

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Situated Within a highly desirable location close to the bustling West End and its ainenities. this traditional lop ll()()l' flat has great open Views of the city.

Featuring oak flooring. period fireplace and gas central heating. it looks like an appealing. it quite diiiky llat. Offers over £89,500

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REGENT MORAY STREET

A Situated directly opposite the famous Kelvuigrove Art Galleries. this rooniy two double bedrooined flat retains many of its original period features though it'll need a bit of love to bring them alive. However, it's right above a former bar. and it would be worth checking out what's planned for the property.

Offers over £129,000 To View, contact I ip Top Homes on O 747 5:30 3545

DALNAIR STREET

D If your budget can stretch just a little further. then this would make for an excellent opportunity to acquire an outstanding top floor corner flat with panoramic VICWS across the West End. The property has been well maintained and offers a lounge Wllll dining recess. a spacious kitchen. double bedroom wrth walk in wardrobe and bathroom.

Offers over £1 10,000 To View these Da/riair Street properties. contact Archibald Sharp and Son on 0747 347 6327