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To Buy Or Not To Buy

June 6th, 2012

Avoid Conveyancing Costs by Renting

If you’re looking to relocate, or perhaps move into your first property, it can be difficult to know whether you should buy or rent.

It’s a tough question, as there are positives and negatives to both sides of the argument.

Buying will give you an asset once you’ve finished your repayments, but renting often has extra flexibility, and could even work out cheaper in the long run.

If you do choose to rent, you won’t need to worry about maintenance, upkeep or conveyancing costs either.

On the other side of the coin, you will be more restricted in terms of decorating or any extensions you may want to add to the property.

While a tracker mortgage may seem appealing at the moment, as you will be actually own the property once your repayments are complete, the rates for these are likely to rise soon in order to counteract the effects of inflation.

This means it may actually work out cheaper to rent in the very near future.
The choice of whether to buy or rent is always a personal one, and the answer often depends on individual preferences.

If you’d prefer to be free to move around, renting’s probably a good option. If you’d rather settle down, buying a home is a good way to do so.

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Looking For A New Home

May 30th, 2012

There are all kinds of reasons why you might decide that now is the right time to try and sell your house.

Whether you want to live abroad, downsize, or just fancy a change, moving house can be a reinvigorating process. If you’re staying somewhere that you don’t feel content, it’s going to affect you.

So how do you go about looking for a new place to live? The internet has brought the property market directly to you. You’ll be able to browse listings of available property with minimal effort.

Most websites allow you to set search parameters, meaning you’ll be able to find property that is within your budget and suitable with a few clicks of the mouse.

Of course you could still visit an estate agent and get them to take you around the available properties in the area.

You should take your time when viewing the house, as you need to be absolutely sure before you commit to buy somewhere and sell your house.

If you do rush your decision, you’re likely to find yourself in a similar position, looking to buy and sell property, in just a few years’ time.

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Repossession

May 28th, 2012

The threat of repossession is one of the scariest things you can ever face. If you’ve got people who rely on you, or have nowhere to go should you lose your house, it can be disastrous.

There are all kinds of reasons why people end up facing repossession, and often there is little they could do about it.

Sudden changes in circumstance can turn a comfortable mortgage into a desperate situation.

If you’re unable to meet your payments, the lender won’t show much sympathy in trying to reclaim the money they are owed.

The Council of Mortgage Lenders recently described the level of repossessions as ‘stable’ but, with 9,600 homes reclaimed in just the first three months of the year, it’s clear that a lot of people are affected.

The bad financial conditions are making repayments harder than ever. If you do lose your home, the charity Shelter can help.

If you are facing repossession, talking to the lender should be your first priority. They will often help you to get back on track.

As a safety net and last resort, you could look for a quick house sale to raise the money you need.

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Going It Alone

May 23rd, 2012

Most people, who are looking to sell their house, will go through the traditional method of using an estate agents.

A lot of people who are looking to sell are actually unaware that they have another option.

Bypassing the estate agents can be an effective way to save yourself money and greatly reduce the amount of stress that comes with your sale.

The Internet has given ordinary people the ability to sell their house privately or seek out a cash sale with ease.

This type of selling ensures that you can avoid paying a hefty commission, and will have control over your transaction.

You can achieve a quick house sale by using the internet to connect with the many buyers out there

More and more people are choosing to avoid estate agents as they realise that often, their services are simply not worth the money they demand.

Sales can drag on for months on end, and properties are routinely over and undervalued to fit in with the estate agents’ own targets.

Selling privately or for cash is a great option for many people, as buyers are easier to find than ever, and there’s lots of money to be saved by operating in this way.

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Worrying Times Ahead?

May 21st, 2012

The positive news regarding a boost in mortgage lending seems to officially be a thing of the past.

A hefty drop in lending has been reported for April, with the effects of the reintroduction of stamp duty kicking in.

Buyers had been given a holiday from the tax to try and get the housing market moving and encourage first time buyers into the market.

Experts were warning today that we are likely to see any positive news about the property market levelling off in the near future, with the potential for a sharp downturn on the horizon.

With the Eurozone crisis looking more and more perilous on a daily basis, a significant worsening of the crisis would have a damaging knock on effect for the UK’s market.

Sellers are likely to struggle to offload properties as the demand will simply not be there.

This is bad news if you were hoping for a quick house sale. The value of your property will take a hit, so it may be worth attempting to wait out the crisis, if you have the time to spare.

Equally, buyers need to be aware of excessive mortgage rates if they’re considering investing in a property.

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Surprise Property Boost

May 14th, 2012

As the doom and gloom that is currently surrounding the Eurozone crisis continues to worsen, there has been a flurry of activity in the London property market.

Talk of Greece imminently exciting the single currency has caused markets to plummet, and sparked fears that other countries could follow if the door opens.

A mass exodus would leave the currency in a state of complete turmoil, which could only cause the property market further damage.

Despite that, there has been something of a boom in London.

The rise in purchases has been caused by worried investors in the directly affected countries. Greek, Spanish and Portuguese buyers are looking to sink their money in relatively safe, illiquid assets.

Perversely, London’s property market is likely to see even bigger improvements if the Euro crisis continues to worsen.

In the long term, it’s unlikely that the trend would continue if there was a large scale collapse.

Elsewhere, Scotland was facing the news that commercial property is at its lowest value for more than six years.

These are incredibly uncertain times for home owners, with unstable markets and the Euro crisis leaving analysts unsure of the future.

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Effects of Stamp Duty Holiday

May 9th, 2012

Quick House Sale In Cash

The property market has suffered a slump over the last few months, as the number of houses sold dropped, and prices also fell.

 

It’s believed that the weak figures were largely caused by the end of a holiday on stamp duty.

 

This caused many buyers to squeeze deals through before the deadline, saving themselves a great deal of money.

 

The holiday on stamp duty was put in place to try and get the property market moving again, in the aftermath of the crash.

 

First time buyers were able to avoid the 1% tax, and make significant savings by buying before the deadline.

 

The return of the stamp duty is likely to damage sales over the rest of the year according to some estate agents.

 

For this reason, if you’re looking for a quick house sale, selling for cash may be the best option that’s open to you at present.

 

You’ll be able to avoid messing around waiting for a buyer and you’ll get a great price.

 

If you choose HousesForCashUK to sell your house, it’s guaranteed that you will receive an offer. You are then free to accept this, or look elsewhere.

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Looking to Sell Quickly?

May 7th, 2012

Looking for a quick house sale?In these tough times, the property market has suffered heavily. Thousands of sellers are struggling to get rid of their properties after having them up for sale for months.

 

Most people, when they want to sell their house, want to make it a quick process. The longer that a house sale drags on for the longer you will find yourself in an uncertain position.

 

If you’re unable to sell your property, it’s likely that you’ll be unable to buy a new home or plan for the future effectively.

 

The quickest way to help yourself move on is to sell your house for cash.

 

Houses4cashuk.co.uk is the best place to sell your house. If you’re looking for a quick, effortless sale, a cash deal is probably the best method for you.

 

Houses4cash.co.uk will give you a quick and easy guaranteed offer. All you need to do is submit a few details and you’ll receive a quote within the hour.

 

If you do choose to sell for cash through a quick house sale, you’ll be able to move forward as soon as possible rather than hanging on for a house sale that may never come.

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