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Author: amoore70
Do I need an EWS1 form for my property?
Understanding the EWS1 Form: What It Is and Which Properties Need It In recent years, the External Wall Fire Review process, commonly known as the EWS1 form, has gained prominence in the UK property market, particularly in the wake of the Grenfell Tower tragedy. This article aims to provide clarity on what the EWS1 form… Read more
The Pros and Cons of Buying a New Build Property in the UK
Purchasing a new build property is an appealing option for many homebuyers in the UK. These properties, which are newly constructed and have never been lived in, come with a range of benefits and potential drawbacks. This article explores the pros and cons of buying a new build property to help prospective buyers make an… Read more
Everything you need to know about level term assurance
Level term assurance is a popular type of life insurance in the UK that offers straightforward and reliable protection for a fixed period. This article provides a comprehensive guide to understanding level term assurance, including its features, benefits, considerations, and how it works in the UK market. What is Level Term Assurance? Level term assurance… Read more
Will Cladding Affect the Value of My Property
The issue of cladding has become a significant concern for property owners and potential buyers in the UK, particularly in the wake of the Grenfell Tower tragedy in 2017. Cladding can impact a property’s value, safety, and marketability. This article explores how cladding affects property values in the UK, considering various types of cladding and… Read more
Understanding Peppercorn Rent
In the UK, the term “peppercorn rent” is often encountered in property leases, particularly in older contracts. It may sound unusual, but peppercorn rent has a long history and serves a specific purpose in property agreements. This article explains what peppercorn rent is, its historical context, and its relevance in modern property leasing. What is… Read more
The pro’s and con’s of buying a terraced house
Terraced houses, also known as row houses, are a common sight in the UK. These properties are characterized by a series of homes built in a continuous row, sharing side walls with their neighbours. While terraced houses offer several advantages, they also come with some drawbacks. This article explores the pros and cons of buying… Read more
Understanding APR and Its Role in UK Mortgages
When navigating the world of mortgages, one crucial term that borrowers frequently encounter is the Annual Percentage Rate (APR). This figure provides a comprehensive measure of the cost of borrowing, helping consumers compare mortgage products effectively. This article explains what APR is, how it is calculated, and its significance in UK mortgages. What is APR?… Read more
Debt relief orders and how they relate to mortgages
Debt Relief Orders (DROs) are a form of debt relief available in the UK for individuals who have low income, minimal assets, and relatively low levels of debt. They are designed to provide a fresh start for people who are struggling with debt by allowing them to have their debts written off after a certain… Read more
High net worth customers and mortgage applications
A high net worth (HNW) customer is an individual or household with significant financial assets and wealth. While there is no universally agreed-upon definition of what constitutes a high net worth individual, they typically have substantial liquid assets, investments, and/or property holdings that far exceed the average person’s wealth. In the UK, high net worth… Read more
Understanding home reversion plans
A Home Reversion Plan is a type of equity release scheme available in the UK that allows homeowners, usually those aged 65 or older, to sell part or all of their property to a reversion company in exchange for a lump sum payment or regular income, while retaining the right to live in the property… Read more