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Confused? What exactly does 'Help-to-buy' mean?

Fri, 01/03/2014 - 15:44 -- Word Smith

Help to Buy: three little words that are changing the face of the property market. Help to Buy is the Government's much vaunted scheme to put a boost in the housing market. It's actually an equity loan and a very good one at that. You won't have to pay anything back for 5 years and even then it's only at 1.75%. The scheme has now been extended to include second hand movers ie not just brand new homes and using the Help to Buy scheme is making all the difference to property owners who've felt excluded from the property market because they cannot raise the deposit required.

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How to make your dream house even dreamier: planning permission what is it and when do you need it?

Wed, 12/18/2013 - 01:53 -- Word Smith

If you’ve fallen in love with a new property and want to buy it, you may decide that it would be perfect with the addition of a new room, change of usage on one or two of the rooms, or a loft conversion. If you think that you may wish to carry out major developments to your new property then it’s worth thinking ahead as it will mean getting involved in obtaining planning permission from your Council.

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Creating an energy saving home

Wed, 12/18/2013 - 01:32 -- Word Smith

With contentious debate about rising fuel bills, particularly in the winter months, it makes sense to factor in just how energy efficient  you think your new home is going to be. This can include everything from boiler replacement through to installing solar panels and loft insulation.

After all, there’s no point in literally having money go up in smoke as heat escapes under draughty doors, poorly sealed windows, inefficient, old, boilers or up and out through a poorly insulated roof.

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What to look for in an estate agent’s contract when selling your home

Wed, 12/18/2013 - 01:04 -- Word Smith

Selling your home is probably the single most important financial transaction you will ever undertake in your life. It’s important to get it right when it comes to the legalities, therefore. Always make sure you read the contract and ask questions – if you don’t understand, don’t sign.

Some of the most frequently asked questions that agents find come up again and again are:

What do you do if you are unhappy with the agent’s fees?

What happens if you find a buyer for your house

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Moving home can affect your credit rating and you might not even know!

Wed, 12/18/2013 - 00:24 -- Word Smith

Poor credit rating and identity fraud - moving house can expose you to risk.

If you move house, you could well be picking up a bad credit rating from the previous owners or tenants as the address could be black-listed. It’s hard to check this sort of detail, but ask the letting agent or conduct your own checks using credit scoring agencies where you can. Look at any post that arrives for the occupier or any bills that are clearly demands and see if you can contact the supplier to let them know that this is nothing to do with you and get them to take you off their records.

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