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Monday, August 17, 2020
Sunday, August 16, 2020
Should we pay off our mortgage or keep cash for renovations?
We need to fix our roof and luckily my partner’s mother has offered us some money
Q We are in a very lucky position, and this is a nice problem to have. My partner’s mother has decided to retire early, inspired by the time she’s had to reflect during lockdown. As part of this she is selling her mortgage-free home in London to move out of the city. From the proceeds of this she wants to give us money to clear our existing mortgage. We only bought the house a year ago, and while this was a possibility for us in the future, we had expected her to be working for another three to five years.
This will finally help us to get round to actually doing some of the renovations our home needs (primarily a roof that doesn’t leak to start with). What we are unsure of is how our mortgage lender would see this, and if it’s best to clear the whole thing and apply for a new mortgage for £30,000 to £40,000 to cover the cost of renovations and so dramatically reduce our monthly payments over a 10-year term. Our house is currently worth about £200,000.
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Ten tips for adding water to your garden Nottingham Estate Agents
There’s nothing more soothing and relaxing than the presence and sound of gently running water in the garden. Whether it’s a tranquil reflective pool or a fountain, water can add a wonderful sense of serenity to any outdoor space, providing lovely movement and sound. But there are other benefits to being around water, too. Much […]
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Housing market has busiest month in more than 10 years
The pandemic has ‘rewritten the rulebook’ as pent-up demand boosts the market, says Rightmove
The housing market has had its busiest month in more than 10 years, with the traditional summer lull replaced by a flurry of activity from buyers and sellers, according to the property website Rightmove.
The site, which typically lists about 95% of homes for sale in the UK, said the “rulebook has been rewritten”, with the boom fuelled by pent-up demand during lockdown accelerating as the summer has progressed.
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