Owning Historic Homes: Charm, Character, and Care

Buying a Historic Home: A Piece of History

Purchasing a historic home is like stepping into a time capsule, offering a unique blend of charm, character, and architectural beauty. These homes are often rich in history and boast features that modern properties simply can’t replicate. However, owning a piece of history comes with its own set of responsibilities and considerations. Here’s what you need to know if you’re enchanted by the allure of historic homes.

1. Embrace the Home’s History

One of the most appealing aspects of historic homes is their unique architectural features and rich history. Researching the home’s background and architectural style can not only enhance your appreciation but also serve as a major selling point and source of pride.

2. Understand Renovation Restrictions

Many historic homes come with preservation restrictions. If the home is listed on a historic register or located in a historic district, there may be limitations on the types of renovations and alterations you can make. It’s crucial to understand these restrictions before making any changes.

3. Assess Renovation Needs

Historic homes often require more upkeep and renovations. A thorough inspection is essential to understand the condition of the plumbing, electrical systems, foundations, and other critical aspects of the house. This will help you plan and budget for necessary repairs.

4. Budget for Higher Maintenance Costs

Be prepared for potentially higher maintenance costs. Historic homes may require specialized care and materials, which can be more expensive than standard updates. Factoring these costs into your budget is essential for maintaining the home’s integrity.

5. Consider Energy Efficiency

Older homes were not built with modern energy efficiency in mind. Investigate what upgrades can be made to improve energy efficiency, keeping in mind any restrictions due to the home’s historic status. Simple changes like adding insulation or upgrading windows can make a big difference.

6. Investigate Potential Incentives

Some regions offer grants, tax incentives, or low-interest loans for restoring historic properties. Research what financial assistance might be available to help with renovation and maintenance costs. These incentives can significantly offset the expenses involved.

7. Enjoy the Community

Historic homes are often located in vibrant communities with a strong sense of local pride and heritage. These neighborhoods can offer a unique community spirit and engagement, making your living experience even more enriching.

Buying a historic home can be a fulfilling experience, offering a unique blend of history, character, and community. However, it’s important to go into the process with your eyes open to the additional responsibilities and considerations that come with owning a piece of history. Remember, a historic home is not just a purchase; it’s a stewardship of the past for the future.


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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.

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