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
  • ...

Liv Butler

Liv Butler

Posted:

4 Home Improvements to Reduce Your Energy Use

Authored by David Banks
Posted: Wed, 03/06/2019 - 9:45pm

Reduce your carbon footprint, save money and help the environment – what isn’t there to love? Through certain home improvement projects, you can do all of the above, making your home and household much happier in the process.

Smart manufacturing, new and better materials and the improvement of technology have helped us live more eco-friendly, if we wish to, and reduce our expenditure. While home improvements may have a costly bill to begin with, they are, however, worth it in the end.

If you’re left wondering which home improvement projects that are worth your time and...

Mary Dhonau OBE

If you’ve made your home flood resilient, Mary Dhonau wants to hear from you

Do you live in a flood risk area? Has your home or business flooded? Have you had to make changes to your property to protect it against future flooding? If the answer to any of these questions is yes, then Mary Dhonau OBE, chief executive of the Know Your Flood Risk Campaign wants to hear from you, for a new eBook that provides examples of real-life flood resilience case studies.

Mary is a champion for community-based flood resilience, and has become a prolific flood awareness and resilience campaigner. Known affectionately as ‘Mary Queen of Floods’ she currently sits as a leader...

Merle Coldwell, BB Estates

BB Estates pushes forward with confidence

Like a phoenix risen from the ashes, BB Estates, the estate and lettings agency on Cowick Street in the St Thomas area of Exeter, is pushing forward with confidence as owner-manager, Merle and her team continue to build on its success over the last few months with a growing bank of new and loyal clients, and a positive reputation for sales and lettings.

In the former offices of Bower & Bower, BB Estates was born from an acquisition by Merle Coldwell, who has almost 30 years’ experience in customer facing roles, in the retail travel sector as well as in domestic and foreign...

The upcoming home decor trends to expect in 2019

A brand new year is here, and what comes with that is copious amounts of home interior and decor trends. Whether it’s colours, materials, textures or prints, each year we see new ones step forward to give us major inspiration for jazzing up our homes and living spaces.

Read on to discover a collection of trends and ideas that will be making their mark on the home interiors world for 2019.

Sustainability in the Home

Sustainability is a huge movement that is becoming more widespread than ever before. We’ve seen changes already across the food industry (stainless...

National Wellbeing plan piloted at Millbrook Village sees pensioners walk twice as far as average Briton

Authored by News Desk
Posted: Sat, 02/09/2019 - 3:00pm

A new national wellbeing plan for older people has been launched at Millbrook Village later living community in Exeter which has seen residents clock up more than 7 million steps in the space of just six weeks. Inspired Villages, the later living developer and operator behind Millbrook Village, has joined forces with three high profile wellness organisations to boost the health and wellbeing of its residents. It has partnered with ukactive, hero and Oomph! to dramatically improve the physical, social and mental wellbeing of its residents around the UK.

The new initiative has also...

Are you going to rent in Scotland? Don’t skip this guide if you are a first timer

Authored by Sam Richards
Posted: Fri, 02/08/2019 - 10:49am

Whether you want to rent a flat, a room, or even a home, it is critical to know the particulars of the whole approach.

From planning viewings to ensuring the budget are usually up to scratch, this informative guide from CityLets will certainly arm you with all the important information to find your perfect house.

Finding a Property

House searching is always fun. It may be amazingly thrilling to check out houses in your area, and once you find your 'one', there is always an exciting rush.

However,it is not just as easy as turning up to the first home you see...

How to stay in your own home as you age

Authored by Claire Small
Posted: Fri, 02/08/2019 - 10:33am

No-one relishes the prospect of having to leave their home when they start to have difficulties due to the infirmities of old age. That reluctance to leave your home has been backed up by research which has shown that it’s far better for older people to remain in their homes for as long as possible, where they are happier and more at ease.

If you’re starting to find your stairs a problem, or you struggle to get in and out of the bath safely, there are many ways in which you can adapt your home and find assistance to help you carry on living safely in your familiar surroundings as...

The ultimate Exeter property guide

If you’re looking to move into Exeter, it’s a good idea to do as much research as you can before buying a property. Often referred to as Devon’s hub, the city has so much to offer and tends to be a popular location for those leaving major cities such as London. Here, you’ll discover everything you need to know before you pick up and move to Exeter.

Which areas are most popular?

Like any area, some parts of Exeter are considered much nicer to live in than others. So, it’s worth doing your research to discover which areas are considered some of the best to move to.

...

Reasons why you should hire professional window cleaners

Cleaning windows at your home or office is a challenging task. But you need to keep your windows looking clean. Clean windows keep your office or your home fresh and looking good. Unprofessional cleaners do not have the expertise or tools to properly clean them. Additionally, it is very dangerous to clean window without the expertise, especially for buildings with more than one storey. You need to be careful who you choose to clean up the windows for you. They must be experienced professionals. This article will give you more reasons why you need to hire professional window cleaners....

Wood burning stoves proved to be a fire risk in buildings with thatched roofs

Authored by News Desk
Posted: Tue, 01/29/2019 - 12:27pm

Thatched roof buildings that are fitted with wood burning stoves are at greater risk of fire than those with open fires and new research funded by Historic England and NFU Mutual and undertaken by the Fire Protection Association has now explained why.

Historic England, in partnership with the thatch insurer NFU Mutual, has funded a three year programme of research which included full-scale fire tests. The results show that, because of the higher temperatures and flue velocities associated with the use of a wood-burning stove, thatch could be set alight by large sparks and embers...

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