Homes & Gardens

How the Debt-to-income Ratio for a Mortgage Works

You might be wondering, "Can you get a mortgage with debt?" Banks use something called the Debt-to-Income Ratio to decide if you can borrow for a house. This blog will show you how to calculate debt to income ratios and what numbers lenders want to see.

Stick around, because getting your dream home may depend on it!

Key Takeaways

Banks use the Debt-to-Income (DTI) Ratio to decide if you can get a mortgage. It compares your debts to your income.
There are two types of DTI: Front-End focuses on housing costs, Back-End includes all debts. Lenders

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How and why to add kerb appeal to your home

Whether you’re looking to add value to your property, or you need to tidy things up a bit in order to put it on the market, adding kerb appeal to your home is very beneficial. Kerb appeal is all about the way your property looks from the first glance, kerbside. If your home looks overgrown and dull, then it’s not going to set the best first impression, whereas if you present your home in a beautiful way, it’s the first step to experiencing your homes style overall. You’ll find it much more enjoyable coming home to a house that looks warm and welcoming, so now’s the time to add some kerb...

5 Ways to Incorporate Luxury into Your Interiors

Our homes say a lot about us as individuals, so it’s important to style your home in a way that you love. Adding sophistication and luxury to your interiors is a great way of bringing the space to life and creating a space that feels warm, welcoming and homely. Many think that introducing luxury to the home is a really expensive process, but it doesn’t have to be. There are a few key ways in which you can inject luxury into your home without having to spend over your budget.

Tweak the Lighting

Lighting is the key feature within any room that has the largest impact on the...

Easy ways to boost the value of your home

When it comes to handling real estate, selling a property is something that can be tweaked in your favour. For example, if you intend to sell your home as you are moving into a brand new one - or if you happen to be open to the idea in the future, it would be prudent to prepare as soon as possible. That said, it can be confusing to figure out what you can do to help boost the value of your home without any experience.

Fortunately, it is not something you have to tackle on your own. Here are just a few easy tips that can help you boost the value of your house and allow you to turn a...

How to beat the rising cost of electricity

Every year the cost of electricity becomes dearer.

As people struggle to pay their bills every month it becomes clear that something has to be done.

Waiting for the price of electricity to go down is not the answer. We have to take matters into our own hands and do something to mitigate the cost.

Luckily there are a lot of ways to deal with the expense even though much of our daily life relies on energy dependant fixtures.

Let’s take a look at some ways you can offset the cost of electricity by taking some different measures.

Switch your...

The Benefits Of Using Composite Products

Sustainability can look and feel luxurious while at the same time doing the earth a favour. We are all acutely aware of the need to reduce, reuse, and recycle and what better way than using recycled materials in and around your home?

We all should be eco-conscious in this day and age and being ‘green’ and eco-friendly goes a lot further than you may think. Not only does recycling help your immediate environment but it assists on a bigger global scale. If everyone started using composite products and spreading awareness of how great these products really are, a global shift towards...

Tips for Finding The Perfect Garden Building For Your Outdoor Space

Over time, families naturally grow and change. In many cases, that means that they wind up needing more space than their current home offers. Unfortunately, adding a loft extension isn't always possible. In situations like these, garden buildings are a viable alternative. These freestanding outdoor buildings can be used for everything from hosting guests to working at home or providing a place for children to play. Garden buildings come in many different styles, which can make choosing one a little bit challenging.

To find the perfect building for your outdoor space, try using...

Some Ideas to Consider When Buying a New Home

As an adult, you need to make significant decisions in life, and that includes acquiring your own house. This kind of task is something that you need to think about carefully and thoroughly. It would be best if you made sure that your new home is the perfect choice for you and your family.

When buying a home, make it a point to scrutinise all corners to make sure the property that you are acquiring is worth your money. Also, check if it has garden railings or fences to keep your kids secure within your property. Here is some necessary advice to help you make the right decision....

Buying a New Property Before You Move to a New City

Your decision to accept a job in a different city was a huge risk. You knew that there's no certainty that things will go as planned. You could end up hating your new job, or the new city isn't the perfect fit for you.

You should only buy a property once you're confident that you love your new job and city. Evaluate how you feel after moving and determine if it's a place you like. For some people, there's an instant connection. Others need to wait for a while. Suspend your judgement until you're confident that it's the right one.

You can rent a place temporarily. Take a...

A comprehensive checklist for when moving home

It has been said that the three most stressful experiences to go through are the death of a loved one, a divorce, or moving house. One would think that moving would be a new chapter, a new beginning, or the start of a new adventure, but the reality is that packing up your entire life into a few boxes and trusting a company with safely moving everything you own can be incredibly stressful. Let’s not even mention that unpacking in a new location and the whole process itself can be traumatic and tiring, to say the least.

Creating a checklist of things to take care of before packing,...

The first things you should do when moving to a new home

Moving to a new home can be overwhelming, and this means that there are a number of home improvements that homeowners forget to do when they move. While some of these aren’t essential to the safety of your home, there are certain things that you should check to ensure that there are no issues in your home in the future. Tackling these four important tasks below will help to make sure that your new home can give you a safe and secure lifestyle. On the other hand, if you are planning to conduct house repairs for your new home, you will be needing the right set of tools, you can check from...

Homes & Gardens

How the Debt-to-income Ratio for a Mortgage Works

How and why to add kerb appeal to your home

5 Ways to Incorporate Luxury into Your Interiors

Easy ways to boost the value of your home

How to beat the rising cost of electricity

The Benefits Of Using Composite Products

Tips for Finding The Perfect Garden Building For Your Outdoor Space

Some Ideas to Consider When Buying a New Home

Buying a New Property Before You Move to a New City

A comprehensive checklist for when moving home

The first things you should do when moving to a new home

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