Brighton and Hove has been named one of the top cities in the world, ranking 169th out of a list of 1,000 of the largest cities globally. This impressive ranking places our vibrant city above notable locations such as Valencia, Warsaw, and Istanbul.The Global Cities Index, created by Oxford Economics, an independent economic advisory company, evaluates cities based on five key categories: economics,...
As a landlord, dealing with property damage is an inevitable part of the job. Whether it's minor wear and tear or more significant issues caused by tenants, managing these situations efficiently is crucial. Here’s a comprehensive guide to help you handle property damage and maintain your investment.Preventative MeasuresThe first step in managing property damage is prevention. Conduct regular inspections...
In an age where environmental awareness is paramount, many homebuyers are prioritising properties that support sustainable living. Eco-friendly homes not only help reduce your carbon footprint but also offer long-term financial benefits. Whether you’re a first-time buyer or planning a mindful move, understanding and seeking out eco-friendly features is a smart choice. Here’s what to look for when...
In today’s eco-conscious market, energy efficiency is more than just a trend – it’s a vital feature that can significantly enhance your home’s desirability and value. Investing in energy-efficient improvements not only benefits the environment but also appeals to eco-aware buyers and can lead to a higher selling price. Here’s how to improve your home’s energy efficiency and market appeal.1....
Brighton has a whole range of great cafes and coffee houses perfect for an invigorating cup of coffee and a delicious slice of cake. However, if you're going to meet a friend or perhaps just want to indulge yourself, you'll want to head somewhere that's received plenty of great reviews. Here are some of the highest-rated spots in the Brighton area based on Google Reviews.The Artisan CakeryAddress: 117 St...
Brighton is buzzing with excitement as the TAKEPART festival returns, bringing a two-week extravaganza of free sport, dance, and exercise sessions to our vibrant city. Running from Saturday, June 22, to Sunday, July 7, this festival promises to be a fantastic opportunity for everyone to get active and have fun. The festival kicks off with a grand launch event on June 22 at The Level. Here, attendees can...
For landlords deciding their next move in the property market, choosing between short-term and long-term rentals is a significant decision. Each option has its own set of advantages and challenges, impacting both your revenue and management style. Here’s a clear guide to help you make an informed choice.Short-term Rentals: Adaptability and Higher IncomeShort-term rentals, which typically range from a few...
Downsizing your home can be a liberating move, whether you're empty nesters looking to simplify life or seeking a more manageable living space. This transition, however, requires careful planning and consideration. From deciding what to keep to choosing the right smaller space, downsizing is an art. Here are some essential tips to help you downsize effectively and start your new chapter with ease.1....
Selling a home is far more than a mere financial transaction; it's an emotional voyage. For many, a home is a treasure trove of memories and sentiments, making the process of selling it both bittersweet and sometimes overwhelming. Recognising and managing these emotional aspects is vital for a smooth transition. Here’s how to navigate the emotional landscape of selling your home.Detaching EmotionallyOne...
Brighton & Hove City Council is making significant strides in the realm of sustainable transport, setting an inspiring example for other councils across the UK. The latest addition to their green fleet includes four new zero-emission trucks, specifically designed for refuse and glass recycling collections. This brings the council's total number of electric vehicles to an impressive 72, with two more...
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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.
