Decorating a rented property: what can and can’t you do?

Decorating a rented property can always run the risk of causing friction between a landlord and tenant. While many tenants are desperate to personalise their home without losing their deposit, landlords worry about any permanent changes that may occur to their property. It’s important therefore, for both landlords and tenants, to know what can and can’t be done when decorating a rented property:   Decorating a rented property starts with the contract It is important to stress that tenants must adhere to the terms of the tenancy agreement and seek permission for changes to anything they do not own. The More ›

Energy Saving Tips: How to Reduce Utility Bills at Home

Reducing the amount of energy you use is not only good for the environment but can also help you save a significant amount of money. A few simple changes can make a big difference, so we’ve put together our top energy saving tips to help you get started.   1. Turn it down With summer coming to an end, it won’t be long before the cold weather strikes and we start doing all we can to keep warm. Heating your house efficiently is extremely important when it comes to saving money – turning down your thermostat by just one degree More ›

The True Cost of Selling a House 

So you’re planning to sell up and move, but have you calculated the true cost of selling a house? It can be a nasty surprise for some, but there are fees for selling your home. You need to plan for these and make sure to include them in your moving budget. To avoid any shocks, read through our handy guide so you know the fees involved in selling a house.   Estate agency fees Your first consideration when selling your house should be estate agency fees. These can vary depending on your property type, market condition and selling schedule. Typical estate More ›

How to avoid a property chain

A property chain is a sequence of linked house purchases, in which transactions are dependent on one another. For example, Adam wants to buy a property from Beth, but Beth needs to buy from Claire, and so on. If an issue arises within the sequence, it can cause troubles for everyone involved. So you might want to avoid a property chain to make your house buying experience as smooth as possible. Luckily, there are options for you. Let’s take a look at some of them. Move in with friends or family A relatively simple way of avoiding a property chain is More ›

Lifetime ISA vs Help to Buy ISA: Which is Right for Me?

Lifetime ISA vs Help to Buy ISA – what’s the difference, and which one is right for you? Both ISAs are attractive prospects for those looking to save for a house, but it’s important to know the pros and cons of each before opening an account. Our guide explains the ins and outs of the two schemes, and what you should consider when deciding which is the best option for you. Lifetime ISA vs Help to Buy ISA: The basics The Help to Buy ISA was introduced in December 2015, and is designed to help first-time buyers save up for More ›

Planning Permission for Extensions: Do You Need It?

Adapting your home to create the perfect space for your family can seem a daunting task, but it doesn’t need to be a difficult process. Lots of building work can be carried out under permitted development (PD) rights, meaning you don’t need to go through the process of obtaining planning permission for extensions. However, although rules have recently been relaxed, there are still a range of criteria your work must meet for this to be the case. Our guide should help you understand whether you need planning permission for extensions. Location, location, location The first thing to check is whether More ›

When, Why and How to Remortgage Your Home

Wondering how to remortgage your home? Lots of homeowners choose to remortgage to get a better deal. By remortgaging you could decrease your monthly repayments, release equity in your home or move from a variable rate to a fixed rate. However, there can be drawbacks, so it’s important to be aware of the advantages and disadvantages. Our guide explains when, why and how to remortgage. What is remortgaging? Remortgaging involves taking out a new mortgage on a property you already own – either with the same lender or a different one – either to replace your existing mortgage or borrow More ›

What to Look for When Buying a House

Wondering what to look for when buying a house? It’s easy to get caught up in the excitement of a house viewing and forget to check all the essential details. But the property you buy could end up being your home for many years – so you need to make sure it’s the right one. Luckily, we’ve put together this handy checklist outlining what to look out for. First of all, here are a few general tips… Take your time Spend a good amount of time looking around the property – at least 30 minutes – so you can make More ›

Where to Live in London: Seven Reasons to Choose Mile End

Choosing where to live in London is no mean feat. If you’re looking to rent or buy somewhere new, spare a thought for Mile End, a vibrant corner of the East End with bundles of character, charm and community spirit. Here are seven reasons Mile End is a great place to live. Lots of green space With Victoria Park and Mile End Park on your doorstep, you’re never more than a short stroll away from a beautiful green space. Victoria Park is the largest park in Tower Hamlets, and one of London’s most important historic parks. With two cafés, two More ›

Investing in Buy-to-Let Property: Advice for Aspiring Landlords

Investing in buy-to-let property is still an attractive prospect for many people, despite recent changes in the way buy-to-let investments are taxed. The changes mean that landlords are no longer able to offset all their mortgage interest against their profits – but investing in buy-to-let can still pay off. However, the changes mean that if you do want to enter the buy-to-let market, you need to do things properly if you want to see a return. Here’s our essential advice for anyone considering investing in buy-to-let property. Research the market and know the pitfalls Before you invest, be sure that More ›