Tuesday, 13 October 2015

Prepare your garden for winter





Winter can be a harsh time for your garden, but there are several steps you can take this autumn that will protect your garden for the cold winter months and prepare your garden for a spring bloom.  Here are our top tips to help you prepare your garden for winter.

1. Address your borders: Clear up your borders and clean out any old annuals, you can then spend time planting winter bedding plants such as wallflowers and pansies, resulting in a colourful bloom next spring.  When you're finished, add a thick layer of compost, manure or bark chippings over the top.

2. Make the most of last year's compost: Autumn is a great time to clear out your compost bin and use the contents around the garden to protect it in the winter months.

3. Don't forget evergreens: The more evergreens and winter-bloomers you have in your garden, the better it will look through the winter.  Autumn is the perfect time to add some more evergreens and winter plants to your garden and fill in any gaps - snowdrops, Christmas roses and witch hazel all bloom in winter, adding colour to an otherwise stark space.

4. Protect your trees from winter critters: Wrapping young tree trunks with tree guards or wire will help to protect them from winter critters and help see them through until spring.

5. Sow your autumn harvest vegetables: Autumn harvest vegetables, including carrots, beetroot, lettuce and other root vegetables should be sown in autumn, so get those beds prepared as soon as possible to encourage a good harvest next year.

*And don't forget the wildlife this winter - bird feeders look lovely and serve a real purpose in the colder months!
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Tuesday, 6 October 2015

Could Quick Move Properties' new Assisted Move service help you move to your dream location?


Quick Move Properties' new Assisted Move service is helping people across the country move to their dream location, by securing a residential park or leisure home for them without requiring any cash up-front.

Assisted Move, which is available to anyone interested in buying a park or leisure home, lets movers use the cash tied up in their existing property to secure their new home before they sell.

Members of the public can simply tell Quick Move Properties where in the country they'd like to live and the team will get to work to find residential or leisure parks that fit their requirements.  The team will then research appropriate properties, according to your budget and required timescale, and work with an independent estate agent to get your existing property sold, freeing you up for a quick, smooth and hassle-free move.

One couple that have benefitted from the Assisted Move service are Mr and Mrs Holder.

Mrs Holder explains: "We saw the lodges at Finchale Abbey and decided it would be a great place to live - the abbey grounds are just beautiful.

"We were searching on the internet for information about buying a park home and we came across Quick Move Properties and their Assisted Move service.  We like the idea of an easy, hassle-free move, so we got in contact with them.

"The team at Quick Move Properties were really helpful - they explained that they could help us to secure our park home and sell our existing property.  The funds from our property sale were used to pay for the park home and clear our mortgage, which was exactly what we wanted, and the sale of our property was timed to coincide with when our park home was ready.

"I'd definitely recommend the service to others; Quick Move Properties just dealt with everything.  It was so easy and hassle-free."

Quick Move Properties' Sales Director, Patrick Chambers, explains: "The aim of Assisted Move is to take the hassle and the up-front cost out of moving to a residential park or leisure home.

"Because we pay all of the up-front cost there are no estate agent fees or solicitor fees to pay and no deposit required to secure the new property.  You can simply select the location and the property, with our expert team on hand to offer advice and guidance every step of the way."

If you'd like more information on Assisted Move and the other services offers by Quick Move Properties, you can call the team on: 01793 840917 or visit the website: www.quickmoveproperties.co.uk

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Monday, 5 October 2015

Will you be able to secure a new mortgage deal?



New lending criteria introduced in response to the Mortgage Market Review (MMR) last year were widely welcomed, but could the new measures - which aim to cut down on irresponsible lending - actually be working against frugal home owners who have proven affordability?

According to the BBC, up to 4 million home owners could struggle to secure a new mortgage when their existing deal comes to an end.  Home owners with children, those working in sales, the self-employed and those on an interest-only mortgage could all find it difficult to secure a mortgage due to the new measures.

Previously, childcare costs were given little consideration when assessing mortgage affordability, but stricter guidelines mean that childcare is now a big consideration for mortgage lenders.  Most lenders will apply average costs when calculating affordability, so you may find that you and the mortgage lender have quite different ideas about what you can afford, especially if you pay less than the average cost they use for their calculations.

Other new guidelines that have had an impact include many lenders' refusal to include more than 50% of your annual bonuses or commission when considering how much they're prepared to lend you, and recommended age restrictions which have had a significant impact on borrowers over the age of 40.

Homeowners who have never struggled to afford their mortgage repayments are suddenly finding that they're being turned down for a mortgage f the same value, with the same monthly repayments, even though their personal circumstances remain unchanged.

If you're coming to the end of your fixed rate mortgage and are concerned that you may struggle to secure a new deal, it's worth getting in contact with an independent financial advisor (IFA). An IFA will be able to talk to you about your personal circumstances and finances, and look at affordability criteria to advise you of the mortgage that would best suit your situation.  They'll also be able to advise which mortgage lenders use manual underwriting and are therefore more likely to consider your individual cirumstances when assessing affordability.
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