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Chimneypots.co.uk Online Estate Agent Blog

Word Smith's picture

Great! Your offer on your new home has been accepted, but what about the survey?

Thu, 01/09/2014 - 21:42 -- Word Smith
choosing a building survey, buying a home, chartered surveyor, structural survey, mortgage valuation report

Most mortgage companies will require you to have a survey when your offer on your new home is accepted; this is to cover their interests, in some instances they will retain some money until major works are completed, if they feel the survey highlights structural issues. Surveys are conducted by fully qualified chartered surveyors, usually members of the Royal Institute of Chartered Surveyors (RICS). But they can vary in detail and cost so it’s worth checking out exactly what kind of survey you think you need.

Word Smith's picture

House mortgages are undoubtedly a doorway to opportunity

Thu, 01/09/2014 - 03:17 -- Word Smith
Is regulation forcing lenders to leave the market so consumers lose out yet again?

Sometimes it's easier for an outsider to take a view of our market, so we thought we would kick off the New Year by offering some views from a leading housing market expert in the USA. Both the USA and the UK have suffered similar issues with the housing market in recent years and the President of the Mortgage Bankers Association offers some useful comments on what's happening in our own market over here.

Word Smith's picture

Top predictions for the housing market in 2014

Thu, 01/09/2014 - 02:46 -- Word Smith

IIt's always important to keep an eye on what the housing market is doing; hopefully, this will help you make better informed decisions about when it is best for you to buy or to sell a property. In addition, many people buy, or invest in, property for many different reasons.

Word Smith's picture

How does the Help to Buy shared equity scheme work? And the mortgage guarantee scheme? What about that?

Fri, 01/03/2014 - 21:11 -- Word Smith

If you are interested in knowing more about how the Help to Buy scheme works and are considering applying, there is some basic information you should know in order to get started. First of all, find out which house builders/developers are offering the scheme. If you are successful in your application, you can pay off the 20 per cent equity loan of the current value of your home at any time. If you still own the house after five years, you will start paying an annual fee of 1.75 per cent of the value of the equity loan. There is no interest to pay on the loan.

Word Smith's picture

What if I don't qualify for Help to Buy...and other questions you were too afraid to ask...

Fri, 01/03/2014 - 15:57 -- Word Smith
Government's Help to Buy scheme: your questions answered.

Buying your first home is about more than just bricks and mortar. A lot more. It represents a lifestyle, a home, a place to put your stake in the ground, socialise, bring up a family and relax. So should you opt to buy with the government's new Help to Buy scheme or are you better of saving yourself the stress and strain of finding that monthly mortgage repayment every month and living a more relaxed lifestyle, renting a property and have the landlord take care of all the maintenance and repairs.

Still intent on buying but been rejected by the Help to Buy scheme?