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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Bridging Loans Explained: What’s the Process?

A bridging loan is a great alternative to a typical mortgage. It’s flexible, quick and won’t cause you too much upheaval to get your hands on the cash you need to purchase a property. They’re often the best form of loan for homeowners who are struggling to bridge the gap between the completion date of their property and the purchase of a new property.

However, the instant access to cash will result in a significantly higher interest rate. With banks getting stricter on lending to property buyers, it can often end up in a financial catastrophe for some. Another great choice of...

Why Cleaning Your House is Good for Your Health

There are many reasons that motivate a good house clean, and it’s usually down to visiting guests, hosting a party, or greeting the in-laws. These occasions can lead to a mad rush and panic while you spruce the place up, making sure every room and area is spotless and presentable to people other than your own family.

There is, however, a much more serious reason for cleaning your house, and it all comes down to your health. Your health, and the health of your nearest and dearest, needs protecting at all times, and while this may conjure up images of wearing your seatbelt...

How to make the most of your home all year round

No matter how comfortable and relaxing your home life is, there’s always room for improvement. Does your bedroom get unbearably cold in the winter? Do you wish you spend more time in the garden? Have you fantasised about your own little nook hidden away from the chaos and stress of everyday life? Your home should be a place for recuperating after a tiring day, and that doesn’t need to stop when the seasons change. Winter, spring, summer or autumn, your home can be the most relaxing place in the world – here are a few ideas to help you get started.

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5 finishing touches to transform your living room

While you may have spent many an hour carefully selecting the perfect sofa, wallpaper and flooring, you might feel as if a room isn’t complete.

If this is the case, you may need a few decorative finishes, which could turn your stylish house into an attractive, inviting home. If you can’t put your finger on what is missing in the space, here are five finishing touches to transform your living room.

Works of Art

Blank walls can make a room appear dull and lifeless. If you want to inject some personality into the space while tying together your colour scheme, you...

How to design your home like a pro

Unless you have an interior design degree under your belt, you might struggle with colour schemes, textures and Feng Shui when decorating your home.

If you dream of transforming your property into a stylish haven but lack the attention to detail to do so, you must find ways to improve your décor.

To create an interior that undoubtedly has the wow factor, find out how to design your home like a pro.

Identify Your Style

If you want to identify the best colours and patterns to incorporate into your home, review your wardrobe. It will provide an insight into...

How to pull off a gorgeously decorated lounge without a shred of interior design knowledge

You don’t have to hire an expensive interior designer or even know anything about interiors to be able to pull off a fabulously decorated house. If you’re ready to turn your house around, or decorate a new place for the first time, the best room to start in is the lounge. The living room is most likely the central hub of your house, so once you have things sorted there, it will be easy to bring the rest of your house up to this standard - a great interior may even add value to your house .

Just follow these simple tips to make it look like you brought in a specialist to decorate...

Image to show Colin Palmer and South West Brick and Stone

Exeter developer celebrates one million bricks at flagship development in Topsham

Exeter-based property developer, Burrington Estates New Homes, have marked a major milestone in the build of their developments across the South West as they lay the one millionth brick at EXIII in Topsham.

The property developer, who have been building luxury new homes across the South West for the past three years, celebrated the occasion with a brick laying ceremony, with both construction teams and suppliers in attendance. The millionth brick marks the final phase of the build at EXIII, with only a few properties remaining.

The millionth brick follows a standout year of...

Eutopia Homes submits planning application for Exmouth Junction in Exeter

The proposed development is for the construction of 400 new residential dwellings, a 65-unit senior living with care facility, refurbishment and extension of a locally listed former water tower and new green spaces.

The residential element will widen the choice of homes available on the edge of Exeter City Centre. The one , two and three bedroom apartments for private rent and sale and townhouses will appeal to young professionals, first time buyers, downsizers and families.

The design of the proposal is of high quality, with the design taking inspiration from local...

Guide to creating a relaxing sanctuary in your small garden

It’s no secret that spending time outside is good for us. Sunlight exposure, fresh air and the calming sounds of nature can all do wonders for our emotional wellbeing.

In order to experience such restorative relaxation, we might book a day at the spa or go for a walk but might having your own garden spa sanctuary be even more inviting, not to mention accessible?

When you have a small garden, it may seem like an impossible task, but you may be surprised at what can be achieved. For example, you may think you could never have a hot tub spa in a such a small space. Yet, hot...

Affordable renovations that will instantly boost your home value

Improving your home value does not have to mean expensive kitchen renovations and time-consuming re-modelling efforts. There are plenty of affordable home improvements that can make your living environment more comfortable for you and your family, and improve the value of your property if you decide to sell. To give you some inspiration, here are some affordable home renovations that can make a big difference when carrying out electrical work. You may require the services of a rubbish clearance company, try Rubbish Removals Birmingham , if you are local. To clear up any mess left over...

Homes & Gardens

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

Bridging Loans Explained: What’s the Process?

Why Cleaning Your House is Good for Your Health

How to make the most of your home all year round

5 finishing touches to transform your living room

How to design your home like a pro

How to pull off a gorgeously decorated lounge without a shred of interior design knowledge

Exeter developer celebrates one million bricks at flagship development in Topsham

Eutopia Homes submits planning application for Exmouth Junction in Exeter

Guide to creating a relaxing sanctuary in your small garden

Affordable renovations that will instantly boost your home value

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