January’s House Price Index explained https://t.co/UySzI2ccPm #estate agents Nottingham (via Twitter http://twitter.com/conveyandmove/status/1087339158555762690)
Monday, January 21, 2019
Top tips to ease the house buying process https://t.co/SX3dHX8Gn2 #conveymove #estateagentsnottingham https://t.co/eLmKfiYyW9
Top tips to ease the house buying process https://t.co/SX3dHX8Gn2 #conveymove #estateagentsnottingham https://t.co/eLmKfiYyW9 (via Twitter http://twitter.com/conveyandmove/status/1087288551807610881)
Top tips to ease the house buying process Nottingham Estate Agents
Buying a house, it is often claimed, is one of the most important decisions you ever take. Buying a home is a decision which, thanks to the difficulty of getting on the housing ladder, more and more people are taking later in their lives. But buy the right house at the right time and the […]
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Sunday, January 20, 2019
Five things to do before you put your home on the market
You’ve decided to move home; how exciting! Selling quickly and efficiently will save you time and in the long run, help you sell your house for more.
Getting your ducks in a row before you try to sell is an important part of the selling process. That’s why, having helped thousands of homeowners to sell and move on since 2004, I’ve compiled the top five things you need to do before you put your home on the market:
- Get into the right frame of mind for selling – decide when you’d like to move by, and start making plans. If you have too much furniture for your new home, plan how you will reduce it. If you have lots of clutter, it’s time to tackle it. Sort out your garage and your attic, ready for your move. You’ll feel more mentally prepared for what’s ahead by taking small steps now.
. - Tempt your viewers across the doorstep – stand at the kerb and make sure your buyers will see your house in its best possible light. Is your gate straight and clean? Your paintwork and windows looking good? Your garden neat and tidy? We know that on average, ten potential buyers will drive past your home for every one who books a viewing, so stack the odds in your favour, and give your buyers a reason to view.
. - Get your home ready for photography and viewings – neutral colours and plain bedding photograph much better than colourful patterns, and will make your home seem more contemporary to a buyer. If you’re not sure what needs changing, take some photos of each room with your phone, and study them with a critical eye. What stands out, and what distracts the eye? Keeping spaces clear and uncluttered will help a buyer imagine themselves living there, and avoid being turned down just because your colour scheme isn’t to someone else’s liking.
. - Do your homework – now it’s time to determine the potential selling price of your home, before you ask an estate agent to give you their opinion. That way, you will know if they are just trying to win your business with an over-inflated valuation, or even undervalue your home and perhaps cost you money. Of course, your research may not be infallible, but it will give you a good basis in fact from which to discuss a pricing strategy with your chosen estate agent.
To research your homes’ value, look at three factors:
.
a. Houses for sale but not yet sold – if they have not sold after more than three months on the market, they may be overpriced, so keep an eye on any slow movers. Where to look: https://www.rightmove.co.uk/
.
b. Houses sold in the last year – houses that have actually sold can give you a much clearer indication of what is possible for your own sale. Bear in mind though that mitigating factors aren’t listed along with the sold price online; houses could transact at more or less than their actual worth, for any number of personal or commercial reasons.
Where to look: https://www.rightmove.co.uk/house-prices.html
.
c. Your floor area – a spreadsheet of square footage and prices of comparable homes to yours can offer up valuable information about what your home is worth, per square foot (or square metre if you prefer).
Where to look: in the floorplans of houses for sale on Rightmove
. - Choose the right estate agent to help you move – an estate agent who is truly on your side is the final piece in the jigsaw. With the right agent by your side through your home-selling journey, it will feel easier, less stressful and smoother. Make sure you choose an agent you like, trust and feel comfortable with. Imagine making a difficult decision over your house sale: would you feel supported by them? Will you trust their guidance? Just picking an agent because you have seen their sale boards up, or because they sold a friend’s house isn’t going to help you if the road to your house move becomes a little rocky, so choose carefully.
Getting your frame of mind, your house, your presentation, your price and your estate agent all ready and prepared will help your house sale progress more smoothly and your move more enjoyable. And if you’d like some help in choosing the right estate agent for you, let me know here.
The post Five things to do before you put your home on the market appeared first on Home Truths.
from Home Truths http://bit.ly/2FEtWz1
via IFTTT
Five things to do before you put your home on the market
You’ve decided to move home; how exciting! Selling quickly and efficiently will save you time and in the long run, help you sell your house for more.
Getting your ducks in a row before you try to sell is an important part of the selling process. That’s why, having helped thousands of homeowners to sell and move on since 2004, I’ve compiled the top five things you need to do before you put your home on the market:
- Get into the right frame of mind for selling – decide when you’d like to move by, and start making plans. If you have too much furniture for your new home, plan how you will reduce it. If you have lots of clutter, it’s time to tackle it. Sort out your garage and your attic, ready for your move. You’ll feel more mentally prepared for what’s ahead by taking small steps now.
. - Tempt your viewers across the doorstep – stand at the kerb and make sure your buyers will see your house in its best possible light. Is your gate straight and clean? Your paintwork and windows looking good? Your garden neat and tidy? We know that on average, ten potential buyers will drive past your home for every one who books a viewing, so stack the odds in your favour, and give your buyers a reason to view.
. - Get your home ready for photography and viewings – neutral colours and plain bedding photograph much better than colourful patterns, and will make your home seem more contemporary to a buyer. If you’re not sure what needs changing, take some photos of each room with your phone, and study them with a critical eye. What stands out, and what distracts the eye? Keeping spaces clear and uncluttered will help a buyer imagine themselves living there, and avoid being turned down just because your colour scheme isn’t to someone else’s liking.
. - Do your homework – now it’s time to determine the potential selling price of your home, before you ask an estate agent to give you their opinion. That way, you will know if they are just trying to win your business with an over-inflated valuation, or even undervalue your home and perhaps cost you money. Of course, your research may not be infallible, but it will give you a good basis in fact from which to discuss a pricing strategy with your chosen estate agent.
To research your homes’ value, look at three factors:
.
a. Houses for sale but not yet sold – if they have not sold after more than three months on the market, they may be overpriced, so keep an eye on any slow movers. Where to look: https://www.rightmove.co.uk/
.
b. Houses sold in the last year – houses that have actually sold can give you a much clearer indication of what is possible for your own sale. Bear in mind though that mitigating factors aren’t listed along with the sold price online; houses could transact at more or less than their actual worth, for any number of personal or commercial reasons.
Where to look: https://www.rightmove.co.uk/house-prices.html
.
c. Your floor area – a spreadsheet of square footage and prices of comparable homes to yours can offer up valuable information about what your home is worth, per square foot (or square metre if you prefer).
Where to look: in the floorplans of houses for sale on Rightmove
. - Choose the right estate agent to help you move – an estate agent who is truly on your side is the final piece in the jigsaw. With the right agent by your side through your home-selling journey, it will feel easier, less stressful and smoother. Make sure you choose an agent you like, trust and feel comfortable with. Imagine making a difficult decision over your house sale: would you feel supported by them? Will you trust their guidance? Just picking an agent because you have seen their sale boards up, or because they sold a friend’s house isn’t going to help you if the road to your house move becomes a little rocky, so choose carefully.
Getting your frame of mind, your house, your presentation, your price and your estate agent all ready and prepared will help your house sale progress more smoothly and your move more enjoyable. And if you’d like some help in choosing the right estate agent for you, let me know here.
The post Five things to do before you put your home on the market appeared first on Home Truths.
from Home Truths http://bit.ly/2FEtWz1
via IFTTT
Five things to do before you put your home on the market
You’ve decided to move home; how exciting! Selling quickly and efficiently will save you time and in the long run, help you sell your house for more.
Getting your ducks in a row before you try to sell is an important part of the selling process. That’s why, having helped thousands of homeowners to sell and move on since 2004, I’ve compiled the top five things you need to do before you put your home on the market:
- Get into the right frame of mind for selling – decide when you’d like to move by, and start making plans. If you have too much furniture for your new home, plan how you will reduce it. If you have lots of clutter, it’s time to tackle it. Sort out your garage and your attic, ready for your move. You’ll feel more mentally prepared for what’s ahead by taking small steps now.
. - Tempt your viewers across the doorstep – stand at the kerb and make sure your buyers will see your house in its best possible light. Is your gate straight and clean? Your paintwork and windows looking good? Your garden neat and tidy? We know that on average, ten potential buyers will drive past your home for every one who books a viewing, so stack the odds in your favour, and give your buyers a reason to view.
. - Get your home ready for photography and viewings – neutral colours and plain bedding photograph much better than colourful patterns, and will make your home seem more contemporary to a buyer. If you’re not sure what needs changing, take some photos of each room with your phone, and study them with a critical eye. What stands out, and what distracts the eye? Keeping spaces clear and uncluttered will help a buyer imagine themselves living there, and avoid being turned down just because your colour scheme isn’t to someone else’s liking.
. - Do your homework – now it’s time to determine the potential selling price of your home, before you ask an estate agent to give you their opinion. That way, you will know if they are just trying to win your business with an over-inflated valuation, or even undervalue your home and perhaps cost you money. Of course, your research may not be infallible, but it will give you a good basis in fact from which to discuss a pricing strategy with your chosen estate agent.
To research your homes’ value, look at three factors:
.
a. Houses for sale but not yet sold – if they have not sold after more than three months on the market, they may be overpriced, so keep an eye on any slow movers. Where to look: https://www.rightmove.co.uk/
.
b. Houses sold in the last year – houses that have actually sold can give you a much clearer indication of what is possible for your own sale. Bear in mind though that mitigating factors aren’t listed along with the sold price online; houses could transact at more or less than their actual worth, for any number of personal or commercial reasons.
Where to look: https://www.rightmove.co.uk/house-prices.html
.
c. Your floor area – a spreadsheet of square footage and prices of comparable homes to yours can offer up valuable information about what your home is worth, per square foot (or square metre if you prefer).
Where to look: in the floorplans of houses for sale on Rightmove
. - Choose the right estate agent to help you move – an estate agent who is truly on your side is the final piece in the jigsaw. With the right agent by your side through your home-selling journey, it will feel easier, less stressful and smoother. Make sure you choose an agent you like, trust and feel comfortable with. Imagine making a difficult decision over your house sale: would you feel supported by them? Will you trust their guidance? Just picking an agent because you have seen their sale boards up, or because they sold a friend’s house isn’t going to help you if the road to your house move becomes a little rocky, so choose carefully.
Getting your frame of mind, your house, your presentation, your price and your estate agent all ready and prepared will help your house sale progress more smoothly and your move more enjoyable. And if you’d like some help in choosing the right estate agent for you, let me know here.
The post Five things to do before you put your home on the market appeared first on Home Truths.
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Should I stop pension contributions to get a bigger mortgage?
Most lenders appear to take these into account when deciding how much to lend
Q I have a question based on the article you wrote in 2015. I am a deputy head teacher. My partner and I are having strong arguments over me stopping my pension, which I want to do so that I can get the best possible mortgage by providing three payslips clear of pension contributions. We are looking to increase the size of our house in north London as we have a young family. My partner doesn’t have a pension as she thinks they are the devil. She is freelance and so her payslips won’t be contributing to the mortgage process. It appears most mortgage firms do not overlook your pension payments. What should I do? MW
A To repeat what I said in May 2015, I most certainly wouldn’t advise anyone to cancel their pension contributions for a few months to boost their chances of getting a mortgage. Besides, there may be no point as a significant number of lenders don’t ask about pension contributions. In addition, lenders ignore pension contributions deducted from salary – as I assume yours are – because they are already taken into account in the net pay figure on payslips, which areused to assess affordability. In addition, stopping contributions won’t bump up the net pay figure by as much as you think because your tax bill goes up.
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