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

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Building a better community

Community Builders are operating in a neighbourhood near you…and this has nothing to do with bricks and mortar!

Instead, the initiative is all about building better communities and providing firm foundations to allow individuals and communities to improve their own health and wellbeing.

The Builders are working across Exeter, listening to residents and through these conversations, helping to uncover what people feel strongly about and what activities they can get involved in.

The initiative, which has already seen positive results, is the brainchild of Wellbeing...

3 things you should know before purchasing a rural property

Unless you are very much into city living, many of us dream of residing in the gorgeous countryside with plenty of space for the whole family to enjoy. It is easy to get carried away with the idealistic dream of rural living, but it is essential to focus on the realities of day-to-day life, as well as any issues that may be part and parcel of the countryside lifestyle. If you are keen on making a new life in a rural area in the very near future, what are the key factors you need to keep in mind in order to make the right decision for your family? Take the location into account Similarly to...

Woodbury cardboard collection trial due to start in March

Authored by Mary Youlden
Posted: Thu, 01/24/2019 - 10:44am

Further information for the residents of Woodbury about a trial to collect cardboard in an additional recycling bag will be sent out later this month.

From March 1, around 850 households in the village will be asked to collect their cardboard in a white foldaway collection bag instead of their green recycling box and have it collected from the kerbside with their other recycling containers on their usual recycling collection day.

Every household will receive a letter from East Devon District Council’s recycling team with more information about the trial, and when their new...

Trends on Kitchen Chairs for 2019

Authored by Claire Small
Posted: Wed, 01/23/2019 - 10:53am

Kitchen chairs are some of the things you should really consider whenever you want to add colour and style to your kitchen design. Other than the cabinets and racks, chairs take up most of the kitchen space and as a result, they are likely to have a great impact on the overall outlook of your kitchen. Apart from adding colour and beauty, it is very necessary to consider the style of any kitchen chair before taking the actual purchasing action. This will give you a chance to satisfy a number of your preferences such as the height and comfort of the chairs. The current trends on kitchen...

Manage your move: How to be in the right position for buying a house

Notifying bill companies, sorting through belongings, the endless coming and going of cardboard boxes…moving properties is stressful enough without the burden of ensuring that our finances are in complete order — which is, of course, the most important part of it!

With this simple way of money planning before the big move, however, you will be able to cut out the financial challenges of moving all together.

Invest Wisely

Prior to buying a property, it can be useful to list all the required payments to be made over the next few years. It’s worth doing this before...

New Year, New Home

Authored by Hayley431
Posted: Thu, 01/10/2019 - 5:56pm

New Season, Trend Lead Homeware At Great Value Prices From The Original Factory Shop!

This January The Original Factory Shop is the savvy shopper’s one stop shop to spruce up the home with great looking products that won’t break the bank.

From a new range of affordable, functional and stylish homeware to top quality household brands the discount retailer will enable shoppers to transform their homes with great products at great value prices.

The retailer has released a number of different ranges for the home, from warm and plush winter themed items to cosy up the...

How do you store rattan furniture for the autumn and winter season?

Authored by Claire Small
Posted: Thu, 01/10/2019 - 10:47am

Summer months call for alfresco lunch, calling over friends and family for a game of cards in the backyard or even enjoying your favourite author basking under the sun. The hot summer season does not stay for long and it is time now to pack the garden furniture. Do you know how to store rattan garden furniture rightly so that you can keep using it for years and years?

Since, garden furniture is usually constructed from natural wood or rattan, wicker, it might get damaged bearing the harsh weather conditions. Brooks Rattan Garden furniture brings to you some handy tips and tricks...

There are 5 ways on how to find the most suitable mattress, experts say

Many people, when choosing a mattress ask the question: "how to choose from a wide range of quality mattress, which will provide them a healthy and durable night's sleep?"

The question is correct because human performance in the daytime period of the day depends entirely on good and deep sleep at night. The quality of sleep is provided by the mattress and the right choice of mattress not only provides a healthy and deep sleep but also makes it impossible to have problems with your back. Over the last ten years, many mattress companies have emerged on the market, which is trying...

5 simple ways you can begin your smart home automation upgrade

A smart home isn't necessarily the futuristic fantasy of a home full of robots or modern gadgets, it's simply a home that utilises your Wi-Fi network to control things such as your thermostat, security, or other electrical devices. A smart home can also provide you with information, such as what your energy spend is or what is showing at your local cinema. You can automate these devices so that things happen even without your presence or use voice control to ask them to perform tasks as you need them doing, it is completely up to you. Read on to find out how to go about upgrading your home...

Running Your Buy-to-Let Property Portfolio Like a Business

Authored by David Banks
Posted: Tue, 01/08/2019 - 5:24am

Many property investors don’t take investing all that seriously. Perhaps they have acquired a larger property and decided to keep the original one to rent it out for additional income? This tends to be the case. For serious property investors, they treat their property portfolio like a business. Usually, they either own several investment properties or plan to do so in the future.

Their approach is noticeably different to casual investors.

Here are a few tips for operating a property rental portfolio in a more business-like manner.

Create Financial Cashflow...

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