A family-owned post office in Hove is marking a significant milestone – 50 years of serving the local community. When Narotam Patel and his wife Rama first opened the doors of their Portland Road Post Office in 1974, they dealt with National Insurance stamps, pensions, child benefit books, green giros, and telegrams. Fast forward to today, their son Amit Patel now runs the post office, where...
For landlords, properties are more than bricks and mortar; they are substantial investments. Ensuring these assets are well-protected is crucial, and that's where property insurance steps in. Grasping and selecting the appropriate insurance policy is vital to shield your property from unexpected incidents. Here's your guide to understanding property insurance for landlords.Why Regular Home Insurance Falls...
You're on the cusp of becoming a homeowner. The journey may have been lengthy, but the concluding stages are key in ensuring a smooth transition to owning your dream home. From the last inspection to the final paperwork, these steps mark the end of your home-buying journey. Let's guide you through these vital final stages before you receive the keys to your new abode. 1. Finalise Financing: If you...
Closing the deal on a home sale is the final, and perhaps the most critical stage of the selling process. It's where all your efforts come to fruition, but it also demands meticulous attention to detail to ensure a smooth and successful transaction.Understanding the closing process is crucial. This involves finalising the sale paperwork, transferring ownership to the buyer, and handling financial...
Celebrating a century of dance, the Sussex Festival of Performing Arts is set to kick off its 100th year with a grand performance featuring 500 young talents. This historic festival, a beacon of creativity and inspiration, will see dancers from 24 schools showcasing their skills at the renowned Glyndebourne Opera House in Glynde. Over the past century, the festival has been a platform for thousands of...
In a delightful culinary revelation, two branches of Churchill’s Fish & Chips in Eastbourne and Hove have been recognised among the UK's top 50 fish and chip takeaways for 2024. This accolade, bestowed by Fry Magazine, is a testament to the high-quality food and service that Churchill’s Fish & Chips consistently delivers to its customers.The awards aim to celebrate the best of the UK's fish and...
The process of evicting a tenant can be one of the more challenging aspects of being a landlord. It can be a complex, emotionally charged process, but with the right knowledge and approach, it can be navigated with minimal stress for all involved. Grasping the Legalities The first step is to get to grips with the legalities surrounding evictions. Laws can vary from place to place, so it's crucial to...
Purchasing a home is about more than just the property itself; it's also about the community and facilities that surround it. Assessing local amenities is crucial in ensuring your new abode doesn't just fulfil your immediate requirements but also contributes positively to your way of life. Here's how to effectively evaluate local amenities.Essential Services Within Reach: Gauge the accessibility of vital...
When it's time to put your property on the market, strategic home improvements can significantly enhance its market value and attractiveness. However, it's essential to understand that not all improvements are equally beneficial. Identifying which renovations offer the best return on investment is key. Here are some top tips to optimise your property's value.1. Prioritise the Kitchen: The kitchen, often...
Step into the charming lanes of Brighton, as we journey through the city's most beloved street names, as revealed by its residents. This vibrant seaside city, known for its unique character and quirky charm, has a plethora of streets that hold a special place in the hearts of locals.The Argus recently asked Brighton's residents to share their favourite street names, and the responses were as diverse as the...
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Finding a mortgage
Buying a house is a massive investment and getting it just slightly wrong can be costly. Unless you have big savings, chances are you’re going to have to get a mortgage. It’s a loan secured against the property which means if you can’t meet the repayments the lender may repossess your home and sell it to get their money back.
The better you understand mortgages and everything to do with them, the better armed you will be to get the very best deal. With MMR in place, you’ll need to review your finances themselves before approaching possible lenders to see whether you can afford the monthly payments now and if interest rates go up, which they will…
What is MMR?
When it comes to finding a mortgage you have several options: mortgage brokers, individual banks or searching online. Again, it’s important to do your research. Searching online first, gives you a good idea of what’s available, but an independent mortgage broker can provide a more in-depth search and help you through the process. Being independent holds great value as they are not bias to any particular lenders or deals, they will give you their honest opinion and take away the stress of working your way through the mortgage market, they work for you to find you the best package to suit your requirements.
For more information on the current mortgage rules and deals, contact your local branch today to arrange an appointment.
View your future home or get your instant valuation using the latest video calling technology and the expertise of our agents. Don’t delay the deal: get an accurate and fast valuation done today.
