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Cockermouth

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Kirkby Stephen

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Taking a look at 2020

January 2020 Blog Estate Agency

If you read or listen to the property press, or the national media commenting on the property market, you will know they are currently awash with speculation and projections on…

Taking a look at 2020
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Taking a look at 2020

January 2020 Estate Agency

If you read or listen to the property press, or the national media commenting on the property market, you will know they are currently awash with speculation and projections on the way the market will behave in 2020. But it is only speculation. We have never been in conditions quite like this – coming off the back of a surprisingly emphatic election and three-plus years of market dormancy, brought on by political confusion and inertia.

However the national press are not necessarily the safest forecasters of the overall picture.  Many seem to forget that the property market is not confined solely to London and the Home Counties, but is a series of mini-markets.

As we enter a new decade, these micro conditions will once again enter into play. Regions about to see economic stimulus will come into a new focus. Areas benefiting from new infrastructures such as transport will become targets for renewed interest from buyers. Parts of the country that have been in decline will begin to bloom and perhaps even boom in property terms. Sellers will reap the reward.

Of course, buyers will still choose locations for schooling, work, retirement and natural beauty so these factors will continue to be strong personal influencers. But one thing most of us in the business can agree on is that the cloak of uncertainty which created the prolonged low levels of activity in the property market has lifted.  This is borne out by the increased levels of activity we are seeing in the new year so far, a large numbers of buyers and sellers are coming forward earlier than usual wanting to make the most of the increased optimism we are seeing.

It is important now more than ever, that if you are wanting to sell your home, you hit the market at the correct time. Rightmove has recently detailed that 8 of the 10 busiest days for property searches will fall before the end of February. The days of waiting for the Easter Bank Holiday to list your home are long gone, the buyers are there and have the appetite right now.

As estate agents, experts in property and our areas, we are the people best suited to advise on the market in our area. We have been doing this for a long time, have seen many cycles within the market and understand the best way to maximise the value of your home.

Michael Hewitt – Branch Manager of PFK Estate Agency, Cockermouth.

A day in the life of a Sales Negotiator

December 2019 Blog Estate Agency

Our day promptly starts at 8.45am, everyone will sit down together and discuss the agenda of the day. We will talk about the previous days appointments with our valuer…

A day in the life of a Sales Negotiator
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A day in the life of a Sales Negotiator

December 2019 Estate Agency

Our day promptly starts at 8.45am, everyone will sit down together and discuss the agenda of the day. We will talk about the previous days appointments with our valuer Hayley and discuss pressing issues to be dealt with immediately. Our branch manager Paul will then allocate jobs to the team to ensure all aspects of enquires are dealt with and then we can positively start the day knowing what we are doing. The first job of the day typically includes checking our mailbox for any enquires and dealing with anything that has been sent through from the night before. If any new properties have become live, we print off a window card and rearrange our window display to include it, do a mail-out to all matching applicants on area and price and finally contact any buyers we know would be interested in viewing the property and send them the details to encourage early viewings.

We would then go through all the previous days viewings, contacting the people who have been to see a property and asking for their general feedback. We view this as a priority of the day as it is so important our vendors and landlords know the feedback on their house and that they are kept updated throughout the process as it can be quite a stressful time for some people. We then come to look through our vendor and landlord checks for the day and make arrangements to follow up on any previous notes, for example any registers of interests who are to be contacted or any previous offers to be looked into before calling the vendor with the latest updates.

We aim to contact our vendors every two weeks to ensure the best relationship possible with open communication. After speaking with our vendors, we will then look at contacting our individual buyers to discuss their matching criteria, what they are looking for in a property and hopefully arrange some viewings for them. We do try to be as proactive as possible and always encourage our buyers to book in a viewing – sometimes people can be pleasantly surprised and may then consider something they thought they couldn’t consider before viewing a property. If a buyer has a property to sell, we will then encourage them to book in a free, no obligation valuation with Hayley for the best advice on their house too.

If there are any accompanied viewings arranged for the day we will attend them and do our best to sell the house in person. Upon returning to the office we deal with all email and telephone enquiries from buyers/tenants, registers of interests, vendors, surveyors and of course in office visits to the best of our abilities. A huge part of the job is of course negotiating! We aim to find the middle ground between the purchaser and the vendor, landlord and the tenant to ensure everyone reaches a happy outcome and people feel like they can buy/sellor rent with confidence in us as their agent. We can also arrange for any help for a purchaser and vendor where needed, including solicitor quotes, survey quotes and mortgage advice through our trusted partners who we know will make the sales process as smooth as possible, that’s why we recommend them!

Any agreed rental applications, move across to our property management team who oversee the application process and any properties that are sale agreed, move to our sales progression category where each negotiator personally deals with each house sale until exchange of contracts. We chase solicitors for weekly updates and then feed the latest update back to everyone involved. This gives continuity of service and are important factors when selling, buying or renting a property.

We aim to take the stress out of moving for everyone and always ensure to help in any way we can to achieve simple results for all.

Alex Weir – Sales Negotiator of PFK Estate Agency, Carlisle.

A day in the life of a Branch Manager

December 2019 Blog Estate Agency

After working as an Estate Agent for the most part of 10 years in varying roles from Lettings Negotiator to Sales Negotiator right through to my current role as Branch…

A day in the life of a Branch Manager
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A day in the life of a Branch Manager

December 2019 Estate Agency

After working as an Estate Agent for the most part of 10 years in varying roles from Lettings Negotiator to Sales Negotiator right through to my current role as Branch Manager/Valuer at our busy Whitehaven branch, you would think I would have seen it all. This week I have been conducting interviews for a Sales Negotiator for the office. Speaking to candidates and explaining to them what exactly the role entails has really made me think again about just how varied a day working as an Estate Agent can be.

A typical day:

8.45am to 9.15am – It is really important that our office begins the day with a staff meeting. It will usually involve discussing any new sales and lettings instructions, updates on pending offers and generally catching up on how sales are progressing.

9.15am to 10am – This is a good time to prepare for any valuations I have that day, looking at recent comparable sold properties on Rightmove and considering any similar properties that we have been to and/or sold. The team will be catching up on emails and enquiries which can be anything from arranging viewings, taking and negotiating offers and handling sales progression queries. This can admittedly take longer than 45 minutes!

10am to 12pm – This is a popular time for viewings, valuations and listing appointments. A typical valuation lasts around 1 hour, I will give the owner my opinion on market value and explain more about our services and it is a good opportunity for them to ask specific questions they have about the sales process.

12pm to 1pm – A break from appointments is a good opportunity for the team to grab some lunch whilst ensuring that any calls and walk ins to the office are dealt with. I find this a good time to browse on Rightmove as it is always beneficial to know what is happening in our local market. This can also be a busy time for our Sales Negotiators as potential purchasers will book viewings in across their lunch.

1pm to 3pm – This is usually where I will take time to prepare paperwork and draft sales particulars for properties which are about to come on to the market, editing photographs and preparing detailed information about the property which will soon go onto our website, Rightmove and other property portals as well as social media. The team will gather viewing feedbacks from the previous day and speak to vendors about the viewing updates to their properties and ideas to increase viewing levels. Keeping customers updated is an essential part of our service.

3pm to 5pm – The end of the day is a good time to contact solicitors for updates on sales which are currently going through and checking that any issues which may have come up are now resolved.

The most important part of my day is making a list at the end of it with tasks that I will pick up the following day as there will be many days where lists are put aside as an issue or several issues crop up which need to be resolved urgently. And that really epitomises why I love working as an Estate Agent, no day is the same! There are always different people, different tasks and different properties to keep you busy. Every day you learn something new.

Lesley Waugh – Manager of PFK Estate Agency, Whitehaven.

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Property is moving!

December 2019 Blog Estate Agency

PFK has seen a noticeable increase in the number of properties coming to the market in excess of £350,000 and that despite continued economic and political uncertainty these properties…

Property is moving!
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Property is moving!

December 2019 Estate Agency

PFK has seen a noticeable increase in the number of properties coming to the market in excess of £350,000 and that despite continued economic and political uncertainty these properties are achieving sales within a quick timescale. The North West in general continues to perform strongly and there are a good level of buyers out there waiting for their dream home to come to market. So, if you are thinking of selling your home and the idea of Brexit makes you feel somewhat reluctant, don’t be! Plenty is going on in the UK housing market and at PFK!

PFK have had a close relationship with The Mayfair office in London for over 20 years. Historically London has played a central role in the sale of many of the UK’s finest houses. Today PFK’s Mayfair Office carries on this tradition providing a source of UK-wide property marketing expertise whilst forming the hub of a national and international network of the leading firms in the industry.

Located just a few minutes’ walk from Oxford Street, and with a prominent window, our Mayfair office is in the heart of London’s West End and ideally situated for the capital’s buyers and investors.

Our London office team have strong contacts with all the national property journalists and achieve an enormous amount of editorial coverage in the major national titles. Properties on the market with PFK are regularly included in articles and features, providing valuable free national publicity for our sellers’ homes.

Our London office can be found at Cashel House, Thayer Street, London.

Clare Birkbeck – Manager of PFK Estate Agency, Kirkby Stephen.

Here for every season, whatever the weather!

November 2019 Blog Estate Agency

The ancient studded door is shoved shut against the raw and wet wind. The log smouldering in the stone hearth radiates a glow warming both body and soul of those…

Here for every season, whatever the weather!
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Here for every season, whatever the weather!

November 2019 Estate Agency

The ancient studded door is shoved shut against the raw and wet wind. The log smouldering in the stone hearth radiates a glow warming both body and soul of those sufficiently astute or fortunate to find themselves in their local hostelry, sampling Landlord’s Delight or even the famous Goulash served in The Dog and Gun here in Keswick! The day is over, the night drawn in, and it’s a choice between conviviality at the inn or a lonely election broadcast.

Since the clocks went back to Greenwich Mean Time at the end of October, the days have seemed so much shorter you’d be forgiven for wondering if every establishment not engaged in supplying heating oil or selling gaudy plastic toys (which I will inevitably buy for my son this Christmas), have long since shut up shop for winter.

Well, you get the point, I’m sure. But my profession – helping people to buy and sell houses – is more or less impervious to such seasonal variation. Houses need to be sold for all sorts of reasons, such as downsizing, upsizing , an investment as a second home/holiday let or sadly a bereavement. The timings of most of these events are beyond the control of the vendor and unsurprisingly do not discernibly vary according to whether the clocks are at GMT or BST!

Of course, most of these motives have their equals and opposites as someone selling often looks to purchase a property too. What is perhaps not quite so obvious, is that there are also many prospective purchasers of property here in Keswick who are discerning purchasers; that is, they are not compelled by external factors to make a purchase at any specific date but can broadly choose when to purchase. However, the relative scarcity of properties in this area means that even they have to be ready to pounce – to contact the Agents, visit the properties coming from some distance, decide whether to make an offer – whenever a suitable property comes on the market. So even the flexible purchaser therefore has to be actively searching irrespective of the season, the weather, or the clock time.

PFK are open:

Monday 23rd December: 9am – 5pm

Tuesday 24th December: Closed at 1pm

Wednesday 25th December: Closed

Thursday 26th December: Closed

Friday 27th December :9am -5pm

Saturday 28th December : 9am – 4pm

Monday 30th December: 9am- 5pm

Tuesday 31st December: Closed at 1pm

Wednesday 1st January: Closed

Thursday 2nd January onwards: 9am-5pm

Hannah Sims – Manager of PFK Estate Agency, Keswick.

Septic tank legislation

November 2019 News Estate Agency

Any estate agent operating in rural areas will be aware of the joys of septic tanks, cess pits and sewage treatment tanks – because discovering that they are not correctly sited,…

Septic tank legislation
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Septic tank legislation

November 2019 Estate Agency

Any estate agent operating in rural areas will be aware of the joys of septic tanks, cess pits and sewage treatment tanks – because discovering that they are not correctly sited, not properly maintained or have leakage issues can be a deal killer.

Many systems are properly maintained, others are old, rural and rusting. Now, says the law, it’s time they are rather more fragrant and efficient.

The General Binding Rules for small sewage discharges (SSDs) have been put in place to protect England’s surface water resources (e.g. rivers, streams etc.) from pollution caused by septic tanks and other small-scale sewage treatment plants.

Under the new regulations, it is no longer permissible to discharge low quality effluent from septic tanks directly into ditches, streams or other watercourses.

Instead, homeowners have the option of replacing or upgrading systems to incorporate a drainage field. This is also known as an infiltration system and means the effluent can seep into the ground instead for further treatment by soil bacteria.

The changing legislation cannot be ignored – the responsibility lies with owners to understand their private drainage system and any changes they need to make to comply.

Under the new Environment Agency General Binding Rules if you have a septic tank that discharges directly to a surface water (ditch, river, stream etc), you must replace or upgrade your septic tank treatment system to a full sewage treatment plant by 1 January 2020, or when you sell your property, if it is before this date.

Anyone who owns a property which is not connected to a mains drainage system, please ask yourself:

• Do you know the difference between a septic tank, cess pit and sewage treatment plant?
• If you own a septic tank, do you know where it discharges?

Michael Hewitt – Manager of PFK Estate Agency, Cockermouth.

Five common myths about estate agents

October 2019 Blog Estate Agency

Two children were overheard talking one day. “My name is Billy. What’s yours?” Asked the first boy. “Tommy”, replied the second. “My Daddy’s an accountant. What does your…

Five common myths about estate agents
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Five common myths about estate agents

October 2019 Estate Agency

Two children were overheard talking one day.

“My name is Billy. What’s yours?” Asked the first boy.

“Tommy”, replied the second.

“My Daddy’s an accountant. What does your daddy do?” asked Billy.

Tommy replied, “My Daddy’s an estate agent”.

“Honest?” asked Billy.

“No just the regular kind” replied Tommy.

 I was told this joke not long after becoming an estate agent 10 years ago and it has always stuck in my head as being one of the common misconceptions people have about estate agents. The fact of the matter is that when you pick the correct agent this couldn’t be any further from the truth. Here are five common myths about estate egents and why they are completely false.

Myth one – All estate agents are the same

There is a common misconception that as agents we all do the same job. The truth is that although estate agents all have the same rules to follow and can advertise in many of the same places, they all have their own styles of getting the job done. It is important to sit down with a couple of agents to see if you connect and can see yourself working well with them. Selling a property is one of the single biggest decisions you will make, and as it can feel like a long process you need to trust the people that you are going to be dealing with.

Myth two – Going with the lowest priced agent with leave me with more money in the end

In a world centered around the internet and social media, it is easy to see why people are tempted by low cost and internet companies to sell their home; after all as long as the property appears online it will sell for what it is worth, right? This is not always the case. Take time to consider how proactively an agent is going to work for you. Is going with a low cost fixed fee option, which the agent will more than likely ask for upfront, going to get you the best possible price for your home? Or should you consider going with an agent who is working on a commission rate, and on a ‘no sale, no fee’ basis until exchange of contracts? Again, explore your options and be confident in the agent that you choose.

Myth three – Spring is the best time to sell

It is true that all gardens look better in the spring and summer months, and of course a property photograph with a nice blue sky can be eye catching, but why limit yourself you marketing for only 6-8 months of the year? If you are thinking of selling, speak to a few local agents to find out what the market is like; are there many buyers for your property type? You can often be surprised just how busy the market can be on the run up to winter and Christmas, and with many sellers preferring to wait until spring, there is often a lack of properties coming to market at a time when there is steady demand.

Myth four – I should go with the agent who values my property the highest

It is easy to think that a higher asking price is going to get you more for your home, and indeed years ago there was an expectation that sellers would negotiate down to often 10-15% below the asking price. Nowadays buyers seem happy to pay around or about the asking price if they feel that the property is worth it – even if work is required, providing if the property has been priced with that in mind. Arrange two or three valuations to get a feel for where your property sits in the market and don’t be swayed straight away by a high figure. Take time to consider the valuations and price accordingly; a property is likely to get the most interest in the first 4-6 weeks after hitting the market if priced correctly. Going too high may mean that your property is not seen by the right buyers in online searches, and by the time you bring the price down to a more realistic level the damage can often be done, as buyers may think there is a problem with the property or that you are now in a rush to sell.

Myth five – I need to do some work to my home before I sell it

You want your home to look at its best for photographs and viewings and of course it is important to showcase your property as well as you can, but do you really need to redecorate that room or replace that carpet? As a lot of buyers will redecorate to their own tastes when they first move in, all this may actually be doing is costing you unnecessary money which you will more than likely not get back, and will delay you from getting your property on the market – which could cost you a sale. Speak to your agent about what work you are planning to do and ask their opinion. Is it worth doing? Do they think that it will help your property to sell or achieve a higher price? If you are already on the market then ask them to come out to see you – it is often good to get another perspective from someone else in the office, such as a sales negotiator, who may not have had the opportunity to see your home before.

Lesley Waugh – Manager of PFK Estate Agency, Whitehaven.

Things that turn house buyers off

October 2019 Blog Estate Agency

Go Compare did a study recently which revealed the top 20 things that put buyers off buying a home. Here are our tips to overcome these problems. According to this…

Things that turn house buyers off
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Things that turn house buyers off

October 2019 Estate Agency

Go Compare did a study recently which revealed the top 20 things that put buyers off buying a home. Here are our tips to overcome these problems.

According to this survey the biggest put off for most home buyers (71%) is if the property is in a poor state of repair- rotten windows, signs of damp. Look round your property before you put it on the market and carry out any repairs that will improve the appearance of your home. For example, mend the broken latch on the gate or paint the front door to remove faded or peeling paint. If DIY is not your thing get quotes from professional specialists to patch up window frames that are in a poor state or to treat damp.

Lack of general cleanliness and tidiness are also a major put off. This is so easy to put right. A good thorough clean of your home before prospective visitors come around is essential. Get the windows open too, to get rid of unpleasant stale smells. Don’t forget to tidy up the front garden. Put away the children’s toys, weed the beds, and put some planters or hanging baskets out to add a bit of colour.

Kerb side appeal is especially important for a terraced house that has no front garden or no parking space. Sweep the pavement, wash down the external paintwork, clean the windows and have either a hanging basket or window boxes full of bright flowering plants to make your home welcoming.

Somethings about our homes we cannot change. In the recent survey nearly half of all prospective buyers were put off by small, dark rooms. We can’t change rooms that have little natural light or are small so we must make the best of our home. Remove unnecessary furniture, use light colours on the wall and for soft furnishing to create a feeling of space and use artificial lighting creatively to give your home a cosy warm feeling.

Outdated electrics and old inefficient heating systems are also major put offs- 50% and 45% respectively. If you have already updated, make sure that prospective buyers know this; it is a very positive selling point. If you know it needs doing but don’t want the expense yourself, get some quotes so that if you are asked you can give prospective buyers an idea of costs.

Harriet Simpson – Manager of PFK Estate Agency, Penrith.

Want to open your Christmas stocking in a new home this year?

October 2019 Blog Estate Agency

Clare looks at what tops many people’s lists for Santa at this time of year, and gives you some hints on how to get moving. All over the UK…

Want to open your Christmas stocking in a new home this year?
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Want to open your Christmas stocking in a new home this year?

October 2019 Estate Agency

Clare looks at what tops many people’s lists for Santa at this time of year, and gives you some hints on how to get moving.

All over the UK home buyers and sellers have an important date in mind. No, it is not 31st October when the UK is set to come out of the European Union. This particular date will not be delayed, deferred, or cancelled. There will be no heated debates in parliament and Mr Barnier will not discount it out of hand. It is a date that everyone is agreed upon. It is 25th December, Christmas Day.

This date is etched on our minds. Already shops are stocking for Christmas and very soon Marks & Spencer and John Lewis will be revealing this year’s Christmas special television commercials.

Anticipation will also be rising for those hoping to move into a new home by Christmas. Historically this is a key date in the home moving calendar. It is an emotional date, a day that suggests a new start and time spent with loved ones in new surroundings – full of familiar things that make a home.

But the date can also put a great deal more stress onto an already stressful time. Why not complete a purchase two weeks later or at the end of January when things could be easier? Because it is not Christmas.

So for those aiming to have moved by Christmas here are a few hints on how to make that happen.

Set your price to sell. You haven’t time to test the market with an optimistic over-the-odds asking price. You need a deal fast and a buyer who is hot to trot. You don’t have to capitulate but you may have to compromise a little. Keep your eyes on the prize of putting up your Christmas tree in your new home. The clock is ticking.

Don’t compromise on solicitors or conveyancers. Choose a lawyer who is geared to getting a deal through quickly.

If you need a mortgage, make sure this is in place well ahead of time.

Finally, do not compromise on your estate agent. Find a great one. The key to being able to open your Christmas stocking in your new home is an agent who will get the deal though. Think of your estate agent’s office like Santa’s factory in Lapland – it’s where the magic happens.

Clare Birkbeck – Manager of PFK Estate Agency, Kirkby Stephen.

Are buyers still flooding in?

October 2019 News Estate Agency

Italy is amazing. My partner and I have enjoyed many holidays there, particularly along the beautiful Amalfi coast, with walks among lemon groves and picturesque villages on cliff top edges.…

Are buyers still flooding in?
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Are buyers still flooding in?

October 2019 Estate Agency

Italy is amazing. My partner and I have enjoyed many holidays there, particularly along the beautiful Amalfi coast, with walks among lemon groves and picturesque villages on cliff top edges. With a climate we Brits can only dream of, weather conditions ought not to be a contentious issue, but over breakfast the conversation usually turns to the temperature expected that day. Twenty-nine degrees Celsius, or thirty-two? Or possibly more? Who cares once it’s above twenty anyway?

Here in the Lake District, discussions about weather involve temperatures ten or fifteen degrees lower, with a much wider degree of deviation, and of course they include precipitation – mostly rain.

The Lake District has earned its name with good reason. We do have a lot of rain, more than 2600mm (102inches) in the 12 months to the end of August (Seathwaite, only nine miles from Keswick, actually has 50% more!) Of course, those millimetres are not spread evenly throughout out the year but descend in great bucketfuls, swamping our waterways, highways and byways.

With the wonderful scenery tempting buyers to live or invest here, we do also run the risk of occasional floods. And yet, properties continue to be bought and sold in the most beautiful locations, even if flood-prone. Why, a visitor might ask, would I risk buying a property that may flood?

As a local estate agent, who has sold more flooded properties since 2015 than any other agents in the locality, we have a wide knowledge of this problem and how people have coped. The Environment Agency is undertaking vast programs to improve flood resilience by planting schemes, clearing waterways, and increasing and improving flood barriers in specific locations. Attention is being paid to the height above ground at which new houses are being built, and existing properties are benefitting from specialised door and window seals, non-return valves to protect drains, advice about garden walls and similar simple prevention steps. Thanks to the Government’s ‘Flood Re’ scheme, flood insurance is widely available and affordable as part of a home insurance policy for those who want to make the Lake District their permanent home.

The Lake District may be the wettest place in the United Kingdom, but it is also the most beautiful (in my humble opinion). Why would you want to live anywhere else, even if the temperature rarely reaches thirty degrees Celsius? Talk to us, the estate agent rooted in the community, who understands life in the locality.

Hannah Sims – Manager of PFK Estate Agency, Keswick.

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