16Sep/16
Conservatory with Birch Blinds

Tips To Make Your Conservatory Cosy and Functional All Year Round

Conservatory construction really took off in the 70s, and during that time, the glass-panelled wonder quickly established itself as the best way to add value to a home. Unfortunately, conservatories are a notoriously difficult room to work with. They are sweltering hot in summer and bitterly cold in winter, and as a result, they often become a neglected part of the home. The first sign of damp often leads many homeowners to pull out all of the furniture, and suddenly the conservatory is little more than an ornate garden shed. If you want to avoid this fate for your conservatory space, there are a few steps you need to take before this often neglected room can become an idyllic space throughout the year.

06Jul/16
buy my own home

Why Are New Homes So Small in the UK?

The Royal Institute of British Architects (RIBA) have been involved in a long-running campaign to bring to the public’s attention the lack of adequate space for everyday living in new homes being built in the UK today. A RIBA/IPSOS Mori report entitled “The Way We Live Now: What People Need and Expect from their Homes” revealed that a substantial proportion of new homes in the UK do not have adequate storage space for the basic requirements of a family, including food storage and household appliances.

02Mar/16
buy my own home

Why It’s Harder Moving House As You Get Older

We all tend to think that first time buyers have the hardest job persuading lenders that they are a good risk when it comes to a mortgage but are banks and building societies equally reluctant to lend to older applicants? This seems counter-intuitive as older borrowers are likely to be more used to handling their finances and budgeting properly but it seems it is now harder moving house as you get older so what could be making lenders reluctant when it comes to older borrowers.

Many banks and building societies have made their lending criteria more stringent for borrowers approaching retirement age and some have even started to put a “maximum age” cap on their mortgage deals. This has resulted in some older borrowers struggling to secure a large mortgage for their new home, even when they have solid financial circumstances and a range of assets that more than cover the value of the mortgage. It has also led to accusations of ageism on the part of some lenders due to the restrictions they have placed on older borrowers that take little account of individual situations.