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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Woodbury residents to trial additional recycling bag for cardboard

The residents of Woodbury will be trialling an additional recycling bag for the collection of cardboard from March.

Around 850 households in the village will be asked to collect their cardboard in a white foldaway collection bag instead of their green box and put the bag out at the kerbside with their other recycling containers on their usual recycling collection day.

Each household will receive a letter from East Devon District Council’s recycling team with more information about the delivery of the bags and a start date for the trial.

SUEZ, the council’s waste and...

Elderly urged to sign up to Cold Weather Priority

As we start 2019, weather forecasters have said the UK could see another Beast From The East and, liquid fuels trade association The Federation of Petroleum Suppliers (FPS) is urging elderly people age 75+, using heating oil, to sign up to the Cold Weather Priority initiative, as it responds to the latest figures from the Office of National Statistics which show an estimated 50,100 excess winter deaths in England and Wales during winter 2017/18.

This is the highest number of excess winter deaths on record since winter 1975/76 and the FPS is keen to ensure the most vulnerable people...

5 Tips to Renovate your House Beautifully yet Economically

So, you want to renovate your home but your budget isn't all that big. What you need to do is devise a plan that will allow you to achieve your goals and provide you with beautiful and economically friendly results. Keep in mind that the most important thing you do is form an effective and efficient planning process. This will ensure you meet all your goals on budget and on time.

Kitchens and Storage

Renovating your kitchen and making space for storage does not have to be a difficult or expensive task as long as you make decluttering your kitchen a main concern. Consider...

4 tips in choosing a sliding door wardrobe company

A sliding door wardrobe can take any room in your house to a whole new level. Sliding doors in general offer a maximized space with a luxurious touch. If you are still contemplating whether to choose a closet or a wardrobe , rest assured that a wardrobe is the latest addition and a mere upgrade of the closet. All the closet’s functions can be found in a wardrobe, along with some other utilities. The real question is; how to choose a wardrobe company. If you are settled for a sliding door wardrobe, the following tips will help you choose the right company.

Get a Glimpse of their...

The Home Improvements Guide for 2019

With 2019 increasingly visible on the horizon, it’s time to start making those New Year’s resolution plans on behalf of your home. Forget the spring clean - it’s time for you to dust off the blueprints to your home and to go wholesale in a new renovation that’ll have your interior glimmering with modern touches and aesthetic loveliness come the summer months. This guide walks you through some of the rooms in your home, offering advice as to how you’ll be able to spruce up your interior decoration as we get ever-closer to the third decade of the twenty-first century.

Smart Home...

A few easy tips for selling your house superfast

Whether you are trying to sell an old property for some fast cash or just selling your current home before you move onto something better, finding good property deals can be tricky, especially if you need the sale to go fast. For a seamless and speedy home-selling experience, Highcastle Estates offers expert guidance and proven strategies to help you secure the best deal. While an exact timeline is impossible to specify without knowing all the parameters involved, here are a few simple tips for selling a house or even any other property, as fast as possible.

Increasing Kerb...

4 tips to cut down energy bills in winter

Winter is coming, be prepared for high gas bills.

In case you face troubles paying the high gas bills, then you should try to control the costs. Don’t worry; we are going to help you out. Following, we are sharing some simple tips that will keep the energy bills down this winter.

1. Wear Warm Clothes

When you get home, don’t remove your extra layers. Instead, wear the warm layers inside your home while keeping the thermostat down. It can help you save up to 10% on gas bills. Every degree you drop on the thermostat in 60-70 degrees range can help you save up to 2-5...

Exeter village set to gain luxury new homes by award winning developer

A collection of luxury four and five bedroom homes called ‘The Grove’ is set to be built in Rockbeare, near Exeter, following a land acquisition by award-winning developer, Burrington Estates New Homes.

The 1.62 acre site off High Bank, Rockbeare, has detailed planning permission for five dwellings, a mix of four and five bedroom homes. Rockbeare adds to the developer’s expanding portfolio in the South West, which includes the new homes at EXIII in Topsham and 120 properties set to launch in Pinhoe in early 2019.

The village of Rockbeare is a highly desirable location in...

First-time buyers: The numbers

Are you a millennial? Maybe you’re Generation Z? Wherever you fall age-wise, it’s likely that you’re renting with friends or in a house share right now.

Should you have ambitions to leave your rental and own your own home, it might be a while before you can afford it. In fact, according to recent research by UK Finance, the average age of first-time buyers in the UK currently stands at age 30, which is seven years older than in 1960 and. On average, deposits are topping the £20,000 mark, too.

But what are the factors that are affecting first-time buyers in 2018? If you’re...

First-time buyers: The numbers

Are you a millennial? Maybe you’re Generation Z? Wherever you fall age-wise, it’s likely that you’re renting with friends or in a house share right now.

But what are the factors that are affecting first-time buyers in 2018? If you’re...

Homes & Gardens

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

Woodbury residents to trial additional recycling bag for cardboard

Elderly urged to sign up to Cold Weather Priority

5 Tips to Renovate your House Beautifully yet Economically

4 tips in choosing a sliding door wardrobe company

The Home Improvements Guide for 2019

A few easy tips for selling your house superfast

4 tips to cut down energy bills in winter

Exeter village set to gain luxury new homes by award winning developer

First-time buyers: The numbers

First-time buyers: The numbers

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