The rise and fall of French taste on UK country houses

Wrest Park, Bedfordshire (Image: English Heritage)
Wrest Park, Bedfordshire (Image: English Heritage)

For all the traditional antipathy towards the French, the influence of their architecture has been felt throughout Britain’s country houses.  Although initially the use of the French architectural vocabulary was a sign of wealth and education only available to the best families, the style was regarded as sullied by the later, more energetic, constructions of the Victorians – an association which still sadly lingers today.

The first wave of Anglo-French design started in the Elizabethan period; a time when it was acceptable to display one’s knowledge conspicuously. The French style, with its dramatic rooflines, dovetailed with the traditional English manor house and its own profusion of gables and chimneys.  Houses such as Burghley in Northamptonshire made dramatic use of the style with the central, three-storey pavilion, dated 1585, based on the French triumphal arch but oddly includes a traditional mullioned window on the third floor. Burghley was the product of the owner, Lord Burghley, an architectural enthusiast who as far back as 1568 was known to have been writing to France to obtain specific architectural books.

This early use of the French style was relatively restrained – probably more by the conservatism of the ruling gentry who were most likely to be building these houses.  Yet, our impressions now are more strongly influenced by the bolder, more assertive French style which was so popular during the Victorian era – though this same popularity was to also lead to it being derided.

The first of the Victorian nouveau-riche were keen to be accepted by society and so built houses which largely followed the same designs used by the local families.  The end of the Napoleonic wars in 1815 led to a rush across the Channel leading to a revival of interest in French design, particularly in relation to interiors, such as the Elizabeth Saloon at Belvoir Castle, Rutland, built c.1825.  By the mid-nineteenth century this was being more confidently expressed in dramatic houses which sought to boldly make their mark.

The second French Renaissance was influenced by lavish works such as the new block at the Louvre in Paris, built between 1852-70.   However, there were earlier examples such as the complete Louis XV chateau at Wrest Park in Bedfordshire, designed by the owner Earl de Grey, built in 1834-39, and Anthony Salvin’s French roofs added to Oxonhoath in Kent in 1846-47.  Yet, after the Louvre, the fashion gathered pace with designs such as R.C. Carpenter’s redesign of Bedgebury in Kent in 1854-55, and Salvin’s work at Marbury Hall in Cheshire in 1856-8.  Less successfully, the architect Benjamin Ferrey built Wynnstay in Denbighshire for Sir Watkin Williams-Wynn which, for all its dramatic high roofs and pavilions, was thought rather gloomy.  Another dramatic, albeit slightly awkward, design was that of Plas Rhianfa, Wales, built in 1849, which seems to mix both Scots baronial and French, whilst Sir Charles Barry completed a more successful use of the two styles at Dunrobin Castle for the Dukes of Sutherland in 1845.  Also of note was Nesfield’s design for Kinmel Hall, described as a Welsh ‘Versailles’.

These houses were largely for the existing gentry who found the impressive skylines met their needs for a dramatic statement as was fashionable at the time.  With the fashion spreading into London and being used for luxury hotels, clubs and offices it was inevitable that the newly wealthy would wish to emulate in the country the world they already enjoyed.  The last burst of ‘aristocratic French’ could be seen in the designs for Hedsor House in Buckinghamshire, 1865-68 for Lord Boston, Alfred Waterhouse’s Eaton Hall in Cheshire, 1870-72 for the Duke of Westminster, and T.H. Wyatt’s Nuneham Paddox in Warwickshire for the Earl of Denbigh, built in 1875.  From around this time, its fashionability declined.

One of the earliest of this new wave was Normanhurst in Sussex, built in 1867 for Thomas Brassey, son of the famous railway contractor.  Reputedly, Lady Ashburnham from nearby Ashburnham Place (note the very different architectural style of house) would snootily refer to him as ‘that train driver over the hill’.  In Worcestershire, the equally dramatic red-brick Impney Hall – later Chateau Impney – was built in 1869-75 for local salt tycoon John Corbett, who employed Auguste Tonquois, who had extensive experience around Paris.  In County Durham, the foundation stone of the Bowes Museum, originally designed to be part-home also, was laid in 1869 for John and Josephine Bowes.  Designed by Jules Pellechet with J.E. Watson of Newcastle-upon-Tyne, the house reflected their love of France but also made a statement as to their wealth – and possibly sought to hide their less-than-solid social position as illegitimate son of an Earl and an actress.  In Yorkshire, the additions to Warter Priory were considered unsuccessful, either due to the strange proportions or because the style had simply fallen out of favour.  More successfully, St Leonard’s Hill, Berkshire, was transformed from a Georgian house in the mid-1870s to create a dramatic chateau visible from Windsor Castle.

Waddesdon Manor, Buckinghamshire (Image: National Trust)
Waddesdon Manor, Buckinghamshire (Image: National Trust)

Interestingly though, perhaps the most famous of the English chateau was also one of the latest.  Waddesdon Manor in Buckinghamshire was built in 1889 for Baron Ferdinand de Rothschild to a design by French architect Gabriel-Hippolyte Destailleur, mixing elements from various famous French chateaux such as Blois, Chambord and Anet.  The last of these grand French imports was Halton House, designed by William R. Rogers and built in 1882-88, also in Buckinghamshire and also for a Rothschild, Alfred Charles; Baron Ferdinand’s cousin.  Equally grand, this house also featured a wonderful winter garden, though this was sadly demolished to make way for an accommodation block for the RAF who bought the house and turned it into an officer’s mess.

Perhaps one of the final straws as to the desirability of the French style was the spectacular collapse of the Victorian financier Baron Grant who, in 1875, spent over £270,000 (approx. £20m) building a huge house in Kensington before his crimes were exposed in 1879 with the subsequent public disgrace, and the demolition the house in 1883.  Such a high-profile scandal and its flash monument would have been felt in society and tarnished the style for no-one would wish to be associated with such disgrace.  However, fashion would have played a more significant role, with taste moving on to new styles, leaving these extravagant mementos to an earlier, brasher architectural exuberance which now give us an unexpected glimpse of France in the British countryside.


Credit: a wonderful insight into the period is Mark Girouard’s ‘The Victorian Country House’ which was most useful in the research for this post.

For more information on Chateau Impney; ‘Chateau Impney – the story of a Victorian country house’ by John Hodges

‘The National Trust can have it’: why the NT can’t accept all offers

Seaton Delaval Hall, Northumberland
Seaton Delaval Hall, Northumberland

In an ideal world no country house would ever be at risk but poor finances, often caused by pernicious death duties, and insufficient income from the estate or investments leaves families facing the reality of being unable to stay in their ancestral home.  When this situation arises the cry has often been for the National Trust to step in and ‘save’ the house.  Yet the financial complexities of taking on a house and the responsibilities of the many others they already care for mean that it’s unlikely the National Trust would be able to unless it meets their necessarily strict conditions – a marked contrast to the rather more ad hoc approach of the early years of country house acquisitions.

The National Trust owns over 330 houses though only about half would be considered true country houses.  The first, Barrington Court, Somerset was acquired in 1907, though it wasn’t until the 1940s that the National Trust began to acquire houses in any significant numbers.  Instrumental in the early acquisitions was James Lees-Milne, the Secretary of the Country Houses Committee between 1936-51 (see also this fascinating reflection on JLM and the NT).  A complex man from a well-to-do family who got progressively poorer, but with his good looks and manners, and a certain charm, he was able to lay the ground for many of the later acquisitions through his aristocratic contacts.

The National Trust was initially focussed on the countryside with any houses being taken on as rescue missions to save them from demolition.  This changed after an impassioned speech in 1934 by Philip Kerr, Lord Lothian, who argued that our country houses were a unique and valuable heritage and worthy of being saved. Following this, the Trust established the Country Houses Committee with James Lees-Milne at the important first Secretary who set the tone for years to come.  In the early years, Lees-Milne would travel the country meeting the many owners and starting a gentle conversation leading to more hard-headed negotiations – though some would approach the NT begging for them to take their houses such were their financial straits.

For many owners faced with the dramatic social changes after the wars, and their own impoverishment, the options were fairly stark; soldier on in an increasingly dilapidated house, rent or sell to a new resident owner, sell for demolition, or hand it over to the National Trust.  For many owners who were the latest in a line stretching back over hundreds of years the latter option was often the most appealing (especially as they could often continue living there), though many chose to take the other options leading to mass demolitions, particularly in the 1930s and 1950s.  Yet, as Lees-Milne acknowledged, his own enthusiasm meant, “I have to guard against a collector’s acquisitiveness.  It isn’t always to the advantage of a property to be swallowed by our capacious, if benevolent, maw.” (Diaries, 1 June 1945).  However, it was never an easy task as the rest of his entry for that day notes, “The lengths to which I have gone, the depths which I have plumbed, the concessions which I have (once most reluctantly) granted to acquire properties for the National Trust, will not all be known by that ungrateful body.  It might be shocked by the extreme zeal of its servant if it did.  Yet I like to think that the interest of the property, or building, rather than the Trust has been my objective.“. (Amusingly he finishes with “These pious reflections came to me in the bath this morning.“)

The troubled acquisition of Barrington Court had a profound impact on how the National Trust dealt with later offers.  Merlin Waterson in ‘The National Trust – The First Hundred Years‘ highlights that even thirty years later those with fears about unexpected costs for repairs and maintenance were citing Barrington Court in evidence.  Caught between the rock of their own very high standards and the hard place of not having limitless funds, the National Trust began insisting that any house they took on came with a sufficient endowment.  This was formalised in 1968 as the ‘Chorley formula’ (after Roger Chorley who created it and later served as chairman from 1991-1995) which calculates the endowment required, taking in to account expected high-level maintenance and repairs, likely revenues, workers wages and many other factors.

Initially though this meant that a strange paradox developed whereby the NT would only be able to accept houses from wealthy owners – who were unlikely to want or need to hand them over.  However, in 1937, Parliament enabled the National Trust to make money from its properties by allowing it to accept additional property, cash or securities to provide income producing endowments.  One of the first to do so was Philip Kerr himself who, in 1941, bequeathed Blicking Hall in Norfolk along with its content, more than one hundred other houses and cottages, and over 4,700-acres of woodland.  By the end of WWII, the NT owned 23 houses including West Wycombe Park and Cliveden in Buckinghamshire, and Polesden Lacey in Surrey, each of which had come with generous endowments.

Kedleston Hall, Derbyshire
Kedleston Hall, Derbyshire

However, where owners didn’t have the money other sources had to be found, as the protracted negotiations around Kedleston Hall in Derbyshire proved.  This stunning neo-classical mansion of the Curzon family was designed by Robert Adam in the 1760s and has one of the finest collections of Chippendale furniture in the world.  Faced with crippling death duties and a need to pay the grandson a ten-percent inheritance (which he demanded regardless of the threat this posed to the house and estate), the 3rd Viscount Scarsdale opened negotiations with the Trust who determined that it would need a £6m endowment plus another £2.5m for immediate repairs.  Faced with the breakup and sale of the house and its collections, English Heritage, the National Trust, American donors, and the Curzon’s themselves all contributed. This neatly demonstrated the broad spectrum of public and private sources that now had to be called upon to meet obligations such as this – and the difficulties of marshalling such a diverse range each time an opportunity presented itself.

The Trust has been consistent in this policy even when offered fine houses such Heveningham Hall, designed by Sir Robert Taylor with interiors by Wyatt, which had been accepted by the Goverment from the Vanneck family in lieu of inheritance tax in 1970.  Without endowment the Trust refused to take ownership but were happy to manage it for five years whilst the Government found a buyer.  Conversely, when the Dryden family were looking to offload the 16th-century Canons Ashby in 1981 the newly established National Heritage Memorial Fund was able to provide the endowment to fund the family’s gift.

These cases have now formed the model for subsequent campaigns such as the impressive Tyntesfield in Somerset and recently Seaton Delaval Hall in Northumberland where a combination of grants and generous local support enabled them to raise £7m to repair and endow the property.

For many within the National Trust the thinking is now that they have enough houses – for them, current campaigns are mostly around the protection of landscape.  Yet, their obvious financial and political power means that when the need arises they are able to step up to ‘save’ a house.  However, as it is usually preferable that a house remain with the family, hopefully the careful trust arrangements many now have in place mean that increasingly they are able to stay in their home.  Perhaps more houses could have been saved if the National Trust had accepted more of those offered to it, but in reality it is difficult to see how they would have been able to fund so many, especially where the existing owners had proved just how difficult it was to stay financially afloat.  Rather than just saying ‘the National Trust can have it’ we all must be aware that it is not a simple solution and that the long-term care of our country houses requires exceptional planning and commitment – and, ideally, very deep pockets.

The National Trust’s policy on acquisitions [National Trust]

So you can’t afford a whole house: country house apartments

Charlton Park, Wiltshire (Image: Chesterton Humberts)
Charlton Park, Wiltshire (Image: Chesterton Humberts)

Country houses were always a community with not only the family but also a significant number of staff.  Yet as these houses became more uneconomical and houses emptied, large sections often lay dormant, until the family moved out and, in darker times, the house might be demolished.  However, conversion of the house into multiple individual homes offered a route to not only save the house but ensure that it was lived in rather than just used as a conference centre or hotel.  These apartments are now highly prized and offer the fascinating possibility of living in a grand stately home without many of the burdens – but only if it was converted sensitively and the setting preserved, which sadly isn’t always the case.

The idea of converting country houses into smaller, more manageable units is a fairly modern practice, largely since World War II, though some smaller conversions had taken place previously.  A pioneer was the now defunct Country Houses Association which was set up in 1955 to provide shared accommodation, with communal meals, for well-to-do retirees in good health in a style to which many residents had formerly been accustomed. The first house to be bought and converted, in 1956, was the red-brick Elizabethan Danny in Sussex. Next, in 1959, was the grade-I listed Aynhoe Park in Northamptonshire, a Soanian masterpiece with an elegant central block framed by two wings (though this has now been converted back into being a single home).  These set the pattern which was successfully repeated for seven other houses, some of which remain as retirement communities despite the collapse of the CHA scheme.

Around the same time, Christopher Buxton formed ‘Period and Country Houses Ltd’ which focused on creating independent units within the house and estate buildings.  Buxton had several notable successes such as the restoration of Kirtlington Park in Oxfordshire, keeping the splendid central portion as his own home, and also Charlton Park in Wiltshire, seat of the Earls of Suffolk, who currently still live in a portion of the house and own the 4,500-acre estate surrounding it.

In the 1950s and 60s, sale adverts for country houses often included the phrase “eminently suitable for conversion”.  Other developers could now see the potential and developed their own schemes – but with little heritage protection they often did more harm than good.  For them the key to getting the maximum profit was to cram in as many units as possible within the house and estate buildings before trying to built in the parkland.  This sadly meant that the grandest rooms in the houses – ballrooms, libraries etc, – would be crudely sub-divided, wreaking their proportions and destroying decorative details.  Sometimes developers simply developed the houses in the estate and then neglected to restore the main house, often citing the mounting costs of the work.

Northwick Park, Gloucestershire (Image: Cotswold District Council)
Northwick Park, Gloucestershire (Image: Cotswold District Council)

A sad example of where the house has been compromised through too many units is at Northwick Park in Gloucestershire, a grade-I listed house of 1686, with later work by Lord Burlington in 1728-30 for Sir John Rushout.  An architecturally interesting house with a Classical east front topped with a decorated pediment, which contrasts with Burlington’s work on the east front, which was later, oddly, given shaped gables sometime between 1788-1804.   Empty from 1976 with significant thefts of chimneys and doorcases and general deterioration, it was then bought including just 19-acres in 1986 by a local developer for £2m.  With repairs estimated at the time to come to at least £1.5m, the local authority permitted some enabling development totalling 68 new units – with just six in the main house itself.  However, the new properties had to be sited within the footprint of existing estate buildings leading to an overcrowded development with the house becoming almost an architectural ornament, lost in the rest of the residential development.

Many of the most successful and sensitive conversions have been undertaken by Kit Martin, a gifted architect who has saved some wonderful houses and been instrumental, with assiduous promotion by Marcus Binney of SAVE Britain’s Heritage, in demonstrating that it is possible to convert a house without compromising it.  His particular skill was in dividing the houses vertically, rather than horizontally, which gave each residence (as they always are in KM’s developments – never apartments) a range of rooms and usually included one of the fine rooms.  Starting with Dingley Hall, a beautiful but terribly derelict house at risk of complete loss, he has worked on a number of significant houses including The Hazells in Bedfordshire, Burley-on-the-Hill in Leicestershire, and Ecton Hall in Northamptonshire.  His finest work, however, has been at Gunton Park in Norfolk, grade-II* listed house of 1742 designed by Matthew Brettingham with later work c1785 by Samuel and William Wyatt.

Formerly seat of Lord Suffield it had suffered a serious fire in 1872 leaving a large section of the main house as a burnt out shell.   Fortunately for Mr Martin, extensive Georgian estate buildings had been constructed in anticipation of future work to enlarge the house which never happened, leaving him with a perfect opportunity to create a new community.  He then proceeded to vertically divide the main house into four large 5,000 sq ft houses, with other smaller houses created in the wings and outbuildings.  Having restored the house, he then sought to recreate the 1,500-acre parkland by William Gilpin and Humphrey Repton and has succeeded in re-acquiring over 1,000-acres and has been replanting over 6,000 trees – each one in the place originally marked out on Repton’s plan.

It’s not known in total how many country houses have been converted to multiple residences but it is probably at least between 40-50.  Many of these would otherwise likely have been demolished so conversion is preferable but only where it respects the existing architectural heritage and setting.  However, where successful, these fascinating properties allow the opportunity for those of lesser means to experience living in the grandeur of a stately home with the cost and responsibility of owning a whole one.


Examples of apartments currently for sale in country houses:

 

Looking for a saviour: St Osyth Priory, Essex

St Osyth Priory, Essex (Image: Stephen Dawson/geograph.co.uk)
St Osyth Priory, Essex (Image: Stephen Dawson/geograph.co.uk)

Of the phrases most likely to cause concern for those who love our country houses, up there with ‘dry rot’, ‘water leak’ and ‘death duties’ has to be ‘enabling development’.  Originally designed to protect heritage assets by permitting limited development to fund repairs, it appears to now be used to circumvent local and national planning guidelines to facilitate inappropriate development where it otherwise ought to be refused.

In Essex, perhaps one of the largest examples of its kind was submitted by the Sargeant family who bought St Osyth Priory in 1999 through their development company ‘City and Country Group‘ (CCG) .  The company applied to build 190 houses as part of an enabling development to fund repairs to the main house and the other 22 listed buildings in the complex claiming that some £30m-worth of repairs were required (and personally I doubt the cost would be that high – happy to be proved wrong by an independent survey from a SPAB scholar).   This number would naturally bolster the calculation for the total conservation deficit (that is, the amount by which the cost of repair (and conversion to optimum beneficial use if appropriate) of a significant place exceeds its market value on completion of repair and conversion, allowing for all appropriate development costs, but assuming a nil or nominal land value).  But is this a case of a developer using the provisions of enabling development to gain permission regardless of the consequences for the house – and the local area?

After passing through various Royal hands, it was sold to Lord Darcy in 1553 and remained the home of various Earls, Viscounts, Lords and Baronets until it was eventually bought in 1954 by author Somerset de Chair who, in 1974, married Lady Juliet Wentworth-Fitzwilliam, daughter of the 8th Earl Fitzwilliam of Wentworth Woodhouse. The couple lived in the gatehouse, with much of the valuable Wentworth Woodhouse art collection, but de Chair died in 1995, so in 1999 Juliet married Dr. Christopher Tadgell and sold St Osyth to CCG and went to live in Bourne Park, near Canterbury.

CCG have a track record of taking on historic houses and have recently restored Balls Park, Hertfordshire and Herringswell Manor, Suffolk and previously Cheverells and Gilston Park – but these were easier to convert as they had all been used for other institutional or commercial purposes rather than as a family home.  St Osyth Priory and related buildings have sad recent history of insufficient maintenance over many years and have been included on the various buildings at risk registers and undoubtedly needs significant work – but can the repair bill really be £30m (by comparison, the whole of St Paul’s Cathedral was recently restored for £40m)?

To play Devil’s advocate, perhaps this figure might be explained by the provisions of ‘enabling development’ which require that;

It is demonstrated that the amount of enabling development is the minimum necessary to secure the future of the place”
– ‘Enabling development and the conservation of significant places‘ English Heritage (2008)

…so to secure a development of sufficient size to make it profitable for CCG, it would need a suitably large repair bill to justify this (see letter from local resident).  It has been suggested on the St Osyth Parish Council website that offering the house for sale (with just 20-acres rather than the full estate) is merely part of the process of proving that no-one is willing to take on the house and restore it and therefore the enabling development is the only option.  In reality, for someone to invest that much in a house (purchase+restoration) they would expect an estate of at least 100-acres, if not two or three times that.  The plans also seem inappropriate with regard to other provisions of the English Heritage guidance:

  • It will not materially harm the heritage values of the place or setting.
  • It avoids detrimental fragmentation of management of the place.

This all seems depressingly familiar where a developer ignores what’s best for the house, and, in this case, what seems to be determined to bloat the size of the local village in pursuit of this unpopular and out-sized scheme.  An active and well-supported local campaign has been highlighting the various flaws of the scheme and the potential damage to the setting and the village if the scheme were to go ahead, but of course, it’s the house which is continuing to suffer.

In an ideal world, the house would be restored for much less than £30m thus showing that the scale of development proposed was unjustifiably large. This again would show that ‘enabling development’ is apparently being used as a means to try and circumvent the usual planning restrictions which are there to protect our heritage and countryside. Then perhaps one day the house with the full estate (hopefully once CCG realise they won’t get permission) will be offered for sale and someone will get the chance to take care of this important house and estate without sacrificing it for housing.

Property details: ‘St Osyth Priory, Essex‘ – Bidwells

More details:  ‘Priory battle gathers pace‘ [Daily Gazette]

The state of the country house market: Autumn 2010

Noseley Hall, Leicestershire (Image: Knight Frank)
Noseley Hall, Leicestershire (Image: Knight Frank)

Throughout September, the increasing weight of each week’s ‘Country Life‘ magazine heralds the starts of one of the busy periods for launches of country houses.  As an relatively unscientific barometer it would appear that the market is doing well with some impressive estates and houses being offered up to tantalise the armchair enthusiast and serious purchaser alike – but a few houses are still proving difficult to shift.

The September 1 magazine provided a summary of the successes of the year-to-date with glowing reports from estate agents who, despite some fears in January about an uncertain year ahead, are happy to highlight their successes.  The article quotes Crispin Holborow of Savills who rightly points out that ‘best in class‘ houses will always sell quickly and for above their guide price if the right buyers start competing.  He cites Ropley House in Hampshire which sold at over it’s guide price of £4.25m, as did the grade-I listed Shanks House in Somerset which was offered with 70-acres for £5.5m, but their biggest success was the coveted Chadacre estate in Suffolk with 680-acres which reputedly sold for more than double it’s £10m asking price.  Other houses such as the elegant grade-I Worlingham Hall – regarded by Norman Scarfe as ‘the most beautiful house of manageable size in Suffolk’ – also sold over it’s guide price of £3.9m.

Other houses sold close to their guide include Peatling Hall in Leicestershire (mentioned on this blog in July) which was offered at £4.75m, whilst the stunning Compton Pauncefoot Castle in Somerset suffered from an unfortunately timed launch in September 2008 at £17m which knocked buyer confidence meaning that it hung around until Febuary 2010 before selling at £15m.  Others had to drop their prices or accept being sold in lots with Kiddington Hall in Oxfordshire selling for £15m to Jemima Khan once the rest of the 2,000-acre estate had been sold (originally offered as one for £42m), whilst Fillongley Hall in Warwickshire has yet to find a buyer even after selling 400- out of the original 500-acres originally offered when it went on the market in 2005 (£3.5m, Savills).  Pusey House in Oxfordshire, which was originally launched with 643-acres but when featured as the lead property advert in the September 15 magazine it was offered with just 67.

So who are the awkward squad?  Grade-I listed Noseley Hall in Leicestershire is still with Knight Frank with the same acreage; though now at £12m rather than the original £14m asking price, and Iver Grove in Buckinghamshire, a pocket Palladian gem, is still being offered (again with Knight Frank) – though mysteriously with no price, so probably less that the £4.5m guide in February 2010; and way down from it’s original price of £6.5m when it was first launched in 2007.  Up country, Yester House in Scotland is still available despite having had it’s price halved from £15m to £8m since the original launch in August 2008.

So, although the property market does seem buoyant, it does seem that some are struggling.  Perhaps the flurry of launches will bring an influx of new buyers who may take a renewed interest in the harder-to-sell properties, but they equally may well wonder why they are still available and pass them over.  It seems that some owners who are keen to sell are being flexible, either dropping the price or selling in lots, but for owners who refuse to budge the market may take a very long time to rise to meet what they think their property is worth.  It seems flexibility is still a vital attribute whatever rung of the property ladder you are on.