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Author: amoore70

  • Understanding subsidence: Causes, management, and implications for UK mortgages and building insurance

    amoore70

    Subsidence is a concern that strikes fear into the hearts of homeowners, landlords, and insurers alike. It’s a phenomenon that can cause significant damage to properties and, if left untreated, can lead to costly repairs and insurance claims. In this article, we’ll explore what subsidence is, why it happens, how to deal with it, and… Read more

  • A comprehensive guide to buying property at auction in the UK

    amoore70

    For those looking to acquire property in the UK, the traditional route of perusing estate agents’ listings or scouring online portals isn’t the only option. Property auctions offer a dynamic and potentially rewarding alternative, providing an efficient way to secure a property, often at a competitive price. However, navigating the auction process requires a good… Read more

  • What survey should I choose? A comprehensive guide to home surveys for UK buyers

    amoore70

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    Buying a home is one of the most significant investments you’ll make in your lifetime, and ensuring the property is in good condition is crucial to avoiding costly surprises down the line. That’s where home surveys come in. From basic condition reports to comprehensive building surveys, there are several types of surveys available to UK… Read more

  • Property ownership around the world: A comparative analysis

    amoore70

    Property ownership rates vary significantly from country to country, influenced by factors such as economic development, cultural norms, and government policies. Understanding these ownership rates provides valuable insights into global real estate markets and the dynamics of property ownership worldwide. In this article, we’ll explore the percentage of property ownership in different countries and analyze… Read more

  • A Buyer’s Guide to Purchasing Property in Bath

    amoore70

    Nestled in the picturesque countryside of Somerset, Bath is a city steeped in history, culture, and architectural splendor. With its stunning Georgian buildings, Roman baths, and vibrant cultural scene, Bath has long been regarded as one of the most desirable places to live in the UK. If you’re considering purchasing property in this charming city,… Read more

  • What is a discounted rate mortgage?

    amoore70

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    A discounted rate mortgage is a type of mortgage product where the lender offers borrowers a temporary discount on their standard variable rate (SVR) for a specified period at the beginning of the mortgage term. This discount typically lasts for a predetermined introductory period, often ranging from two to five years, although longer or shorter… Read more

  • Pros and cons of buying a bungalow: A comprehensive guide

    amoore70

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    Bungalows, with their single-story layout, have long been a popular choice for homeowners in the UK, offering convenience, accessibility, and a unique living experience. However, like any property type, bungalows come with their own set of advantages and disadvantages. In this guide, we’ll explore the pros and cons of buying a bungalow in the UK… Read more

  • Average rental prices for UK’s major cities

    amoore70

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    Here is a general overview of average rental prices for properties in major cities across the UK, as at July 2024. Please note that these figures can vary depending on factors such as property type, location within the city, and market conditions: These figures are intended as a general guide and may vary based on… Read more

  • Capped rate mortgages – what you need to know

    amoore70

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    A capped rate mortgage in the UK is a type of mortgage product that combines elements of both fixed-rate and variable-rate mortgages. With a capped rate mortgage, the interest rate fluctuates in line with the lender’s standard variable rate (SVR), but there is a limit, or cap, on how high the interest rate can rise… Read more

  • Joint tenants or tenants in common

    amoore70

    In the UK, when multiple individuals own a property together, they can do so as either tenants in common or joint tenants. These two forms of property ownership have distinct legal implications and affect how ownership is structured, transferred, and inherited. Let’s explore the differences between tenants in common and joint tenants: Tenants in Common:… Read more