Sunday, 22 December 2019

Historical Trips To Sussex

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Britain is a place which boasts a lot of intriguing and exciting history, tradition and culture. When you are visiting a new place in the country it is always a good idea to visit a historical attraction. This is something which can be of a great interest to a lot of people, even those who do not realise it. After all, every attraction has a story, and the best stories are those that are not made up.

Sussex is one place which has a wealth of historical attractions worth visiting. After all, Chichester alone has some of the oldest buildings in Britain – and that is only one mere place in the whole country. Therefore, if you have a holiday in one of the popular Sussex cottages available then you should certainly plan some historical visits ahead of your trip. If you are struggling to decide where to go then you should consider some of the following attractions…

Battle Abbey

Battle Abbey can be found in the town of Battle and this is located in the East of Sussex, which is where a lot of people visit when making the most of cheap camper van hire. When most people think of historical locations in the popular county this is the first place that comes to most people’s minds. Battle Abbey is the famous site that played host to the 1066 Battle of Hastings. There is a lot to see and do at Battle Abbey. Of course the first thing you will want to cast your eyes upon is the abbey ruins. Nevertheless, in addition to this there is also an interesting museum and a great visitor centre that boasts an interactive exhibition and a lovely little cafe.

Bodiam Castle

Bodiam Castle is situated near to Robertsbridge. It is one of the most beautiful castles you will ever lay your eyes upon. It boasts everything alluding to romance and grandeur, such as spiral staircases and intricate detail. There is enough of the castle left in order to really take you back to the days of all those years ago in 1066. The stories to be told will certainly have you captivated.

Chichester Cathedral

You may have guessed by the name of the cathedral that it is situated in Chichester, found in West Sussex. Chichester cathedral has been open to individuals for over 900 years now and it is certainly a sight to behold. The building is stunning, with the beautiful stain glass windows and gorgeous archways definitely being a highlight amongst many. Beauty is certainly on offer in abundance at Chichester Cathedral.

Pevensey Castle

Pevensey Castle is another historical attraction based in East Sussex. This provides a great day of entertainment and thus is a good choice for those who are going on vacation as a family and have children. If you are looking for something truly steeped in great history then this is it. The Pevensey Castle began its life in the 4th century, and thus it stretches back to over a massive 16 centuries. There is certainly a lot to take in and absorb when you are visiting this attraction.

Tuesday, 17 December 2019

The Essential Timeline To Buying Your First Home

Easily one of the most stressful experiences of your life, buying your first property can be both exciting and challenging. Of course, understanding the process and what is required at each stage can help keep stress levels down to a minimum. Happily, that is precisely the kind of information that you will find below. Keep reading to find out more. 

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1-2 years before 

Save up a deposit.

When it comes to buying your first home, the earlier you can start, the better. I don't mean hopping on the internet and looking at dream houses, though. In fact, the most crucial part of starting earlier is doing everything you can to save up a deposit. A figure that is usually around 5-15% of the total cost of the home. 

Of course, the more deposit you can save, the better because it means you will have less outstanding debt on the house your purchase. Something that will either allow you to pay less on your mortgage each month or pay the entire cost off a lot sooner. 

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Cut expenses.

Unfortunately, saving up for a deposit can be tricky, especially if you already have a family to provide for and rent to pay. Fortunately, posts like this one on 8 Simple Ways To Cut Your Monthly Expenses can help a great deal. After all, anything you save on your monthly outgoings can be put towards your deposit. A figure that can end up being quite a significant account if you start saving early. 

Additionally, when you apply for your mortgage, later on, the provider will take into account your monthly expense and when agreeing how much you can afford to borrow. Something that means getting this down as low as possible is a smart way of ensuring you will be granted the maximum amount when you do come to buy. 

Open an ISA.

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Do not forget that the government also offers help for saving for a deposit on a home. Although it is worth noting that the help to buy is a scheme that is currently running won't be around for too much longer. However, it is due to be replaced by another similar scheme. Something that means that it is still very much worthwhile to place your deposit savings in this type of ISA for as long as possible. 

Think about what you need and want.

Finally, around this time, it is a good idea to think carefully about the type of property that you need. In fact, considering whether to buy new or old, a house or an apartment, and even the size and location you will want is vital at this stage. After all, by gathering this information, you will know how much you will need to save for your deposit. 

6 months before (ish).

This date range is a very loose one. The reason being that for some families it can move a lot quicker and for some more slowly. In fact, different parts of the process can take up more or less time, depending on your individual situation. 

However, no matter how fast or slow such things happen, there does tend to be a process that most families go through at around 6 months before they buy a home. 

Start to keep your eye on the market. 

Of course, the first part of this process is to start looking at what is available in the location you favour, within your price range. In fact, traditionally, many people would register their interest with a local estate agent to do this. However, now as most provide online access to property listings, this may not be necessary. 

In fact, identifying the apps and websites that offer first look at properties in your area may be a much better way of spending your time. Especially if there is a lot of competition for homes that are coming onto the market. 

The great thing about using apps and websites to shortlist properties that you are interested in is that it makes the entire process a lot more convenient. In fact, you can sit in your own home with a cup of piping hot coffee and swipe through places until you find ones that catch your eye. You can then save these to a favourites list, and contact the agent directly to arrange a viewing. Something that can make it a lot easier to batch together looking at properties within the same area and save a lot of time and effort. 

Secure a mortgage.

Another essential step around the 6-month mark is to secure a mortgage. In fact, many people don't realise that it's best to get a firm offer on a mortgage before you even start to look at properties. Then you can act quickly when you find the right one and are not in danger of losing out to someone else.

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However, do beware that getting a mortgage provider actually to offer you the terms they advertise can be something of a challenge. Particularly if you are reliant on a single wage, or you are looking to buy a new property. 

Of course, this is where the advantage of having saved a higher deposit comes in, as the more you have, the more likely you will be able to get favourable rates. Something that can help save you a lot of money, across the duration of your mortgage. 

Find a lawyer.

Next, at around this time, you will also need to find a lawyer to help you with the purchase and exchange of contracts. In fact, this shouldn't be too difficult as there are usually several firms in every town that specializes in property. Although, if you are in a city, choosing a lawyer that works in a town or village close to your location can mean smaller fees. 

Find a home you like.

Of course, as you are doing the tasks mentioned above, you should continue to look for and view homes. Hopefully, finding one that you love enough to put an offer in on. Be sure not to let yourself fall in love with a house too hard yet, though. The reason being that putting in an offer is not the same as having it accepted. 

In fact, many homebuyers like to put in an offer that is below the asking price to start with. However, there are no guarantees that a low offer will be accepted. In fact, in high demand locations, those selling their properties can expect offers of around 40% more than the asking price. Just because of the sheer volume of competition there is.  

Also, there is the matter of being gazumped to look out for as well. That is when you put in an offer, have it accepted, but then the seller breaks the chain because they get a better offer. Something that can leave you high and dry, and without the property, you have worked so hard to get. 

Although staying in contact with the buyer and your agent can help you to suss out whether there are any potential issues with the sale before they present themselves. 

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The week before you expect to exchange.

Once you have an offer expected, gazumping notwithstanding, you need to get ready to move in. In fact, a week before the day you exchange contracts and move, you will find there is plenty to do. 

One task, in particular, is to arrange house and content insurance for your new home. Oh, and changing your addresses on any bank accounts and services that you have is a smart idea too.

Additionally, don’t forget that now is the time to be packing up and cleaning the property you are leaving, as well as securing a removal team for the big day. 

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The day you exchange contracts. 

Finally, today is the day you get the keys to your new place! Congratulations, you did it, you are on the ladder, and you have a fantastic new property to enjoy!  

Monday, 16 December 2019

Benefits Of Buying An Apartment For Your First Home

Buying your first home is exciting, but it’s important not to rush the process when you’re looking. It’s a new experience where you need to figure out what you need and wants in a home. There are also different types of homes out there, so here are some of the benefits of buying an apartment as your first home.

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It’s A Good Size To Start With

It’s always a good size to start with for your first property because for homeowners who buy houses, it’s a lot to fill up. And a house can feel quite sparse if you’re not in the financial position to be able to furnish it properly. Although it’s good to build up your home over time, an apartment is going to be much more manageable as your first property. Apartments usually have a good size to them, and depending on the development, like Meriton Apartments, they will vary in style and design. So even though you’re sharing a building, you know you’ve got a different space to work with.

You’ll Usually Have Additional Services

With an apartment, you’re usually going to have additional services included as part of your shared living. Anything that’s to do with the upkeep of the grounds will likely become a service you all contribute to, and so this can be a nice perk to living in an apartment. What you’d probably pay in money and effort to fix and maintain things on the outside of your home is all done by someone else. That’s something that, as a new homeowner, can be a weight off your mind as you learn how to look after a home. Unfortunately, mowing the grass and cleaning windows isn’t something you get to practice at school.

Likely To Make More Friends Within The Complex

When you’re living in an apartment complex, you have more opportunities to see people who live nearby, and that’s a good thing. It’s important to get to know the people who live around you because who knows when you might need their help. With next-door neighbours, you can tend to end up with having little to no interaction with people who live in houses. That’s because no one is going to be there at the bottom of the stairs, holding the front door for you as they go out at the same time as you. With an apartment, you are also likely to have a communal area to socialise.

They’re Usually In A Popular Area

As with many apartments, the reason for their creation is that the area they’re in, space is usually premium. So it can be really beneficial to be in an area that is popular because that should hopefully improve the value over your home over time, which is probably not going to be as frequent when you own a whole house.

There are many benefits to buying different types of housing, so make sure you do your research and figure out which one is best for you.