Category Archives: Property Alerts


This week I had a very rousing evening watching the celebrations for Republic Day at the new town Square in Didim. What a fantastic site – one which, it has been claimed, cannot be rivalled anywhere else in Turkey. Not even Istanbul!

It got me thinking to how far this city has come since I first landed here back in 2002. My first trip was a cold, wet, grey April morning after a 13 hour bus ride from Istanbul. We offloaded our bags onto the balcony of the little 2-bed apartment my (now) husband had just bought for a price that went into the ‘millions’ but was then only translated into a few quid. And seeing as the nearest cafe just happened to be Alo24, conveniently located just a few doors away, we sat there with steaming glasses of tea to await the arrival of his brother and the apartment key.

The outlook from that same seat in Alo24 is as different today as if we had been transported to another town altogether. Ataturk Boulevard, which now snakes its way from the Temple to the beach, lush after years of planting and landscaping, bustling with activity, new businesses, national and international brand names, was at that time nothing but a long strip of pretty much dirt track which did nothing but encourage the boy (and not so ‘boy’) racers to perform death defying dares.

Since then the town exploded at an unbelievable rate. I recently found some very interesting statistics below which chart the increase in population since 1960:
















With any massive growth spurt there are bound to be problems – and Didim has certainly encountered its fair share. It has been the scene of many a dodgy deal, corrupt goings-on, mayors on ‘gardening-leave’, shootings, international court cases, tax officials descending en masse, raids on government offices, whimsical building regulations, and basically bad bad community decisions (golf course anyone?).

But Didim has also been a destination for thousands of returning European Turks looking to get back to their roots. It has become the permanent home to thousands of UK ex-pats looking for a better quality of life. It has become a mecca for thousands of retired Turks looking to live out at least half their life on the sandy beaches, away from their city centre apartments.

And as the town has increased, so have the businesses and institutions that serve these people – banks, schools, supermarkets, insurance offices, government offices, restaurants, petrol stations, social security offices, doctor’s surgeries, and of course, dentists – all employing often young, professional people who are marrying, settling, and having their own families. When I first arrived in Didim, there was just one ‘pre-school’ (affectionately known as the ‘mushroom’ school). Today there are six that I can count off the top of my head. And they are all busy!

Neighbourhoods are growing and developing their own identities, roads are being laid and the public areas surrounding them landscaped into green areas with ample trees being planted, old, grotty buildings are being demolished and replaced with modern, swanky, glass fronted ones. The marina is settling well into its role in the town, and offering an upmarket alternative to the usual holiday haunts. Whatever your opinion of whether the changes are ‘good’ or not, there can be no doubt that fantastic progress is being made, and will indeed continue to be made.

What a busy, buzzy, 12-month cosmopolitan city Didim is becoming. It is also the place where my husband and I have decided once and for all to stay and raise our own four kids.

But then we are pretty positive people, and throughout all our years here we have chosen to think in a continuously positive and forward looking manner throughout many low, and difficult periods.

There is a great piece of research that I quote constantly to my Thrive trainees – it is called ‘The Undoing Effect of Positive Emotions (Frederikson, Mancuso, Branigan, Tugade; 2000). And I quote directly from the paper:

“Many negative emotions narrow individuals’ though-action repertoires by calling forth specific action tendencies (eg: attack, flee), whereas many positive emotions broaden individuals’ thought-action repertoires, prompting them to pursue a wider range of thoughts and actions.”

“Individuals who express or report higher levels of positive emotion show more constructive and flexible coping, more abstract and long-term thinking, and greater emotional distance following stressful negative events.”

Throughout the years I have been in Didim there has been a lot of negative thinking, talking the place down, looking at it through dirty, grey tinted glasses. While I know that many people have had bad experiences, I also know that those who have dealt with their bad experiences with a positive, ‘can-do’ attitude, have prevailed with their sanity intact (if not always their pockets).

As the research shows, a negative view on life narrows your perception. So ultimately you end up only looking for those things around you that ‘reinforce’ your negative view – whether it is the over-abundance of street dogs, litter, or unfinished roads, for example. A positive outlook enables you to look at, and beyond, all these problems with greater perspective, and see many potential ways forward.

But more importantly, this positive, broadened outlook on the world helps you to build resilience – ‘a variety of enduring personal resources’. So whereas negative emotions are designed to help in moments of immediate danger (the fight-flight response), positive emotions are there to counterbalance the effect of short-term negative emotions once that immediate danger has dissipated, and long term survival skills are required.

We’ve Been Hacked!

Some of you may be experiencing difficulty accessing our main agency website – Fear not – it appears that someone has gone into our website with a great big machete and done a seriously major hacking job!!

I think it is going to take some time to sort out so do please be patient with us. In the meantime please be reassured that MTH is still open for business, taking your calls and emails, and is not going anywhere.

If you need to contact us then you can call the office direct on 00 90 256 8132330, or drop us an email at

Turkey’s economy will lure investors in 2011

Turkey’s economy will lure investors in 2011
Turkey’s exceptional economic performance will continue to attract overseas property investors, according to Turkish property expert Steven Worboys. 

Worboys is managing director of Experience International, and he said: “International real estate still remains one of the most popular investments available but many buyers have been stung in the past and are now more cautious, seeking out markets with secure economic fundamentals and developments with realistic returns. Turkey’s economic performance over the past 12 months speaks for itself with over 8% GDP growth expected for 2010 according the latest OECD report and remaining above 5% in 2011 and 2012.”

Turkey’s banking system has managed to steer clear of the worst effects of the recession, and has had its rating upgraded by two international credit ratings agencies.

There is significant economic growth, with the Istanbul Stock Exchange gaining 4.5% in value in 2010 so far. This growth has been mirrored in the Turkish real estate industry, with the construction sector experiencing 21.9% growth in the second quarter of this year.

Worboys said: “”Turkey is now a serious global economic contender; with its robust V-shaped economy the nation bounced back quickly from recession and now is capitalising on its key fundamentals, enjoying a period of growth and prosperity.”

Extracted from the Overseas Property Professional website 8th Dec 2010.

A crystal clear day!

Today was one of those gorgeous cold, crisp days in winter when the skies are crystal clear and you can see for miles around. All being quiet in the office I decided to take myself for a bit of a drive – something I don’t get much chance of without several screaming kids in the back! I headed over to Akbuk where we are building a couple of villas to check on their progress and take a few update pictures. Then I followed the road out of Akbuk in the Milas direction where the road winds high into the pine forests then dips through Kazikli following lush olive groves towards Bozbuk.

The photo I have included here is of Akbuk looking down from the Kazikli road. As with all photos, unless you are a professional the picture never conveys the true beauty and clarity of the view – it is simply breathtaking, expecially on a day like today when the clarity of the air quality enables you to see for miles and miles.

The villas, by the way, are looking very good. You can see the details in more depth on, though I have posted a sneaky extra photo here for you..

More Yesilkent villas!

We are very excited to be adding to our portfolio of Yesilkent villas this winter.  I have loaded up the plans of one of them onto our website As build progresses I shall be adding new photos, with the end result appearing about June time next year. We hope to start digging the foundations after the Bayram holiday, just as soon as the plans have been approved by the council. Don’t forget – we would consider part exchanges if anyone would like to upgrade!

A season’s end review

As we approach the end of the summer season, I think it is safe to say that it has been a difficult one for everyone. Yes, we are in a recession situation worldwide, and this has had a serious effect on the resort as a whole.

It started off shakily with the ash cloud (remember that). For that one week so many people were forced to change their travel plans. Some had to cancel altogether, others who were stuck here decided they could not come back a second time during the course of the summer. Flight prices went through the roof and were difficult to get hold off. Extremely frustrating to say the least.

Add to this, three airlines that were crucial to the Turkish holiday market all went bust – Cyprus Turkish Airlines (KTHY), Goldtrail and Kiss. I personally lost over £1000 worth of flights on KTHY. I know that Atlas was picking up on some of the lost flights, but unfortunately it was not running the same routes - the route we were offered was not suitable or convenient for our purposes, so we simply had to swallow the loss.

The holy month of Ramadan also fell right in the middle of the busiest Turkish holiday season, so many who would have been visiting and spending towards the local economy, simply were not.

And of course there was the crazy decision not to go ahead with the golf course. Harumph… I have already said my piece about that particular piece of stupidity.

On the positive side… the sun still shone, the sea was still warm, and Yildiray and I are expecting our fourth child. Ultimately people are having difficulties the world over, and the fortunes of Didim will wax and wane along with the best of them. It still remains a place which has some great potential long term while still offering a haven of peace and warmth in the meantime. With a population of 40,000 full time resident, and growing (we are certainly making a positive impact there!!) Didim has some great opportunities for those with the vision and clarity of forethought to discover. I am as ever looking to a positive future.

Here’s a question for you. I would appreciate any comments!

I received an enquiry from someone this week who had purchased a 1-bedroomed apartment last year and was thinking about selling to find another with a sea view. Common enough situation.

He had come through one of our agent websites, in reponse to a complex in Altinkum we list.

I contacted him and suggested that we migh be interested in a part exchange with one of our Olive Gardens duplexes if he was interested in sea views. I pasted in the website link so that he could check out the photos and prices.

About half an hour later he called me. He asked what the deal was. I explained that we would take his original apartment as a downpayment on the duplex for the original price that he paid (excluding buying costs). He would then pay the balance on the duplex price. He then got extremely angry with me and hung up.

I have cut and pasted now the resulting emails:

From him:

hi there

                 ive never been so humiliated by a pathetic offer as yours, no wonder you can not sell, you should be reported. i will be letting people knw about your offers on all turkish websites on the internet.

From me:

Dear O
I am sorry you feel this way. You asked what we could offer. I think that offering the same price for your apartment as you had originally paid last year as a part exchange in order to upgrade what you currently have is a valid and fair offer.
Kind regards
Kate Ashley-Norman 

            dont be so ridiculous, you dont buy a property to resell at the same price, what world do you live in ???. your offer was more then pathetic. absolute criminal.
 as i said i will be letting people know about you and your website and your pathetic offers in part exchange, its  people and companys like you that need to be exsposed to the buying public. i will deffinitley make sure you get some bad reviews and press.
 and will be warning many people to stay away from you and your website .
mr k

Mr K
I made a simple suggestion as a solution to a possible change I believed you wanted to make. You did not accept my offer. I have not harmed you in any way. I do not understand why you are so angry. It would be much simpler just to say no thank you and walk away.
There are people in today’s world market who are selling for less than they paid for a property (not just in Turkey).
There are people in Turkey who have paid for a property and have had it taken away from them. This is criminal.
We have people coming to us who willingly upgrade their properties, giving their original back as part exchange. They are happy. We are happy. We simply relieve them of the burden of selling their original property in a difficult market. Where is the problem in that.
Again, I very much regret that you are so upset.
Kind regards
Kate Ashley-Norman
excuse me

                   just take a look at your offer i replied to, you have a photo of a seaview flat clearly stating underneath it in writing its a 1 bed apaprtment asking price £33,000,
 and you then replied back to me with an offer of a possible exchange, so as far as im concerned you have a 33,000 pound appartment 1 bed seaview wanting to exchange for my 1 bed apaprtment.

you then turn around and say its a 3 bed duplex appartment ?? so whats happened to this 1 bed appartment i replied to ???with the seaview photo ????

what are you playing at kate, your misleading people with your advertising and photos.

and this is what i will be telling everybody on the internet what you are doing. apart from other lies you told me  utter disgraceful people like you should be in prison.

Ha ha ha ha ha haha
Best laugh I have had all year!

           have a look on the internet try google, about yourselves website. then you wont be having best laugh of year hahaha. conman conwomen. robbing the public misleading not good at all cheerio.

bad reviews bad press thats what your number logged as well.


Now, is it just me or does anyone think this gentleman is slightly over-reacting? I simply offered him what he paid for originally – does this make me a criminal fit only for the slammer? Have I conned this gentleman not having taken a single penny from him? Is it my fault if he has not understood te nature of what I was offering?

You see, agents are always maligned for being con artists. But it is this sort of abuse that crops up now and again which really makes my blood boil. Anyone who knows me will know that I work hard to maintain a positive and transparent future for Didm. I write openly in the Voices, use this blog, contribute occasionally to the TL forum. We look after our clients and have never abandoned anyone. Yet I get this type of abuse from someone who only needed to say thanks but no thanks.




My Turkish Home has teamed up with Garanti Bank, Turkey’s second largest private bank, to offer an attractive finance package to help facilitate your purchase of an Olive Gardens property

Olive Gardens in Akbük, Turkey, is our flagship development . It is a 3-phase project consisting of 120 units in total, plus four detached villas.

The site is fully complete and key ready. All building licences and habitation certificates are in place.  Kat Mülkiyeti deeds are issued.

At time of writing, the project as a whole is 66% sold out, leaving just 41 units remaining. Three of the villas are also available.

We have illustrated some payment terms below for apartments, duplexes and the villas.

2-bed apartment: purchase price £49,000


Cash deposit                – £19,000

Mortgage                     – £30,000

-         5 year term, 0.6% fixed monthly rate interest – £596.88 monthly installments.

-         10 year term, 0.74% fixed monthly rate interest – £378.09 monthly installments.

3-bed duplex apartment with roof terrace: purchase price £69,000


Cash deposit                – £29,000

Mortgage                     – £40,000

-         5 year term, 0.6% fixed monthly rate interest – £795.84 monthly installments.

-         10 year term, 0.74% fixed monthly rate interest – £504.12 monthly installments.

3-bed detached villa: purchase price £116,000


Cash deposit                – £46,000

Mortgage                     – £70,000

-         5 year term, 0.6% fixed monthly rate interest – £1392.72 monthly installments.

-         10 year term, 0.74% fixed monthly rate interest – £882.21 monthly installments.

Mortgage funds are released on receipt of title deeds. These are now taking an average of 2 months to come through.

MTH are happy to release the keys upon receipt of the deposit, to enable you to enjoy your purchase straight away. The balance is then paid by the bank when the deeds have been signed across to your name.


Further details about Olive Gardens can be found on:

If you would like to talk this through in more detail please feel free to call Kate at any time on 0845 0217717, or drop her an email at


July 2010.

Kate Ashley-Norman takes a wry swipe at her own much loved profession.

The following article shall shortly be featured in Voices.

I am going to tell you something that may make you guffaw into your cornflakes, spit out your coffee in mirth, even sneer in cynical derision… my career over the last 20 years has spanned the noble professions of double glazing, estate agency and public relations!

Yes, I know… between them they are probably three of the most hated professions in modern civilized society. Possibly only the poor old tax inspectors are more (or at least equally) maligned.

In the UK, to say that estate agents are far from loved is an under-statement. In fact, they are usually mentioned in the same breath as ‘lies’, ‘deceit’, and ‘the lowest of the low’. In Turkey agents (emlaks) are similarly regarded by their own countrymen. Indeed, the phrase ‘emlakçı üç kağitci’ (the three card agent) is a general term to describe any form of confidence trickster.

In neither country is the employment of an estate agent a legal requirement, yet they are still extensively used in both countries to facilitate property transactions between those looking to buy, and those looking to sell.

So why use us if we are so hated?

The UK is already quite well set up with systems and tools to sell a property without an estate agent. The advent of the internet was probably a major player in this, giving every individual homeowner access to the world market from the comfort of their own (light, airy, well proportioned) living room without the need of an agent’s own carefully cultivated routes to market. One website I found ( claimed that over one in 20 properties were now sold without an agent.

Yet in the UK we are on home ground. We are more confident about the approach we need to take, and there is a well established network of professionals to help us long the way (though do not forget they charge too – nobody does anything for nothing.) If you are confident about your ability to sell, and have the time and energy to do all the groundwork, you could save yourself a couple of grand at least in agency fees.

Coming to Turkey (and I write from the perspective of Brits buying in Turkey) you enter a minefield where the language barrier is the least of your worries.

The procedures you need to go through differ greatly from the UK. The rules (such as they are) change regularly. The laws are confusing. The paperwork is non-ending.

Although there is no reason why you could not work though all this yourself, a good emlak would be worth his, or her, weight in gold by streamlining and simplifying the whole process for you.

Finding a property for a buyer, or a buyer for a property, is just the start. In Didim a good emlak will do everything that you would expect a solicitor to do in the UK, and more – check ownership of said property, check it for debt, ensure all paperwork is present and correct, write up an inventory if furnished, draw up the sales contract, sort out power of attorney, make the military applications for the deeds, sort out water and electric connections, chase up snaggings, ensure furniture is delivered and in one piece, and finally (and most importantly) arrange the signing of the deeds and place your deeds in your hand with a handshake and a congratulations.

Well that is what we do anyway. However, in Didim there are three types of emlak.

First of all there is the dullest type which rarely gets a mention – the ‘Good Guys Trying To Run An Honest Business’. You do not hear of them often as they do not make good copy but do make for dull reading.

The ones that get all the column inches are the ‘Clever Cons’.

These Clever Cons will always find a loophole when it comes to making a fast, free buck. Whether it is property, sheep, battered boxes that fall of the back of lorries – whatever the business they will spot the weak link and continue profiteering from it until the gap is closed. After which they will pocket whatever cash is left and move onto the next opportunity.

The third type often get confused with the Clever Cons, though in my opinion they have their own category because they are actually not that clever at all – they are what I term the ‘Gullible Non-Businessmen’. These emlaks are basically naïve, rather than outright evil. They allowed themselves to get caught up in the gold rush of the early years without having the real business sense or sophistication to really understand the long term effects of what was happening. They went for the quick buck, found themselves in too deep, and have no idea how they are now going to get themselves out of their current financially precarious situations.

Often their only solution is the ostrich effect – stick their heads in the sand and leave everyone around them floundering.

I am hoping that now the Didim property market is that much more mature, the latter two types of emlak are becoming fewer and further between, leaving us boring lot to get on with the job of helping to create a Didim which is full of happy, more satisfied dwellers.

As to those strong feeling against my profession – well, I try not to take it personally. Indeed, I rather see myself as blazing a trail of positive energy towards the long term good for everyone who decides to invest in the area.

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