Embarking on the property ladder can be an exhilarating journey. However, it's vital to remember that the asking price of your dream home is merely the beginning. There are numerous concealed costs tied to purchasing a property that can catch you off guard if you're not prepared.When you're ready to take the leap, you need to look beyond the asking price. Completion costs, for instance, are a medley of...
Selling your home can be a strategic game of chess, with the right home improvements serving as your winning moves. However, not all renovations guarantee a good return on investment. The trick lies in focusing on upgrades that amplify your property's appeal to buyers without draining your wallet. Here's your guide to savvy home improvement investments that can significantly elevate your home's...
If you're a pet owner planning your next staycation, you might want to set your sights on Sussex. Three of its charming towns - Hastings, Eastbourne, and Brighton - have been recognised as some of the most pet-friendly places in the UK for a holiday. Howden Insurance conducted a study that analysed the percentage of pet-friendly properties listed on Airbnb and Booking.com across various towns and cities....
From a life of adversity to a beacon of inspiration, Jason Frost's story is nothing short of remarkable. Once a prisoner, now a successful gym owner, Jason is set to open his third gym in Brighton, aiming to inspire others with his transformative journey. Fourteen years ago, Jason was released from prison, homeless and struggling to find steady employment. Fast forward to today, he's on the brink of...
In today's environmentally conscious and cost-aware market, landlords are increasingly recognising the importance of energy efficiency in rental properties. Not only does it appeal to eco-friendly tenants, but it also contributes to reducing utility costs and enhancing the overall value of the property. Here are practical ways for landlords to boost energy efficiency in their rental properties, making them...
Embarking on the journey to homeownership is an exciting venture, but it can also be a complex maze, particularly when it comes to choosing the right mortgage. Fear not, dear reader, as we're here to guide you through this labyrinth, ensuring you make the best decision for your future.Firstly, understanding the different types of mortgages is crucial. From fixed-rate, offering stability with consistent...
Selling a home can feel like navigating a labyrinth of decisions, negotiations, and potential pitfalls. But fear not, dear reader! With a sprinkle of savvy and a dash of determination, you can transform this daunting task into a rewarding journey. Let's explore how to tackle the top challenges in the home-selling process with finesse.Setting the right price can feel like a high-stakes guessing game. Pitch...
Brighton, prepare for a tail-wagging extravaganza! The Fun Dog Event, an inaugural celebration of all things canine, is coming to town. Orchestrated by Paul Purchase, a qualified Canine Behaviourist, it promises to be a day of unbridled joy for dogs and their owners alike.On Sunday, 19th May, the North Laine Brewhouse will morph into a haven for hounds. The event, spanning 2.5 hours, is designed to...
Navigating the rental market isn't just about finding the perfect place to call home. It's also about crafting a well-planned budget that allows you to manage your finances effectively. Rent might take the largest chunk out of your monthly income, but there are additional costs associated with renting that can catch you off guard if not accounted for. Here's how to create a comprehensive budget for your...
For property owners, the dynamic world of landlord-tenant laws can be a tough terrain to traverse. Being up-to-date with legal changes is vital to ensure adherence to the law and to sidestep potential conflicts or penalties. As a landlord, comprehending these shifts can aid in managing your property efficiently and fostering a positive rapport with your tenants. Here are some recent legal alterations and...
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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.Â
