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:

Kerbside collection service will make your life ‘mulch’ easier!

Authored by News Desk
Posted: Sat, 05/12/2018 - 10:56am

Summer is beckoning and so are those jobs in your garden - so why not sign up to East Devon’s fortnightly green waste collection service and save yourself the journey to your local recycling centre.

More than 6,000 district council households have already subscribed to the new kerbside collections which will make life so much easier for our green fingered residents to dispose of their green waste.

The new service starts next week (May 14), but residents can sign up at any time of the year for a full annual collection. The service costs £48 a year – each fortnightly...

Redrow supports Devon County Show for 2018

Authored by JessicaVick
Posted: Tue, 05/08/2018 - 1:28pm

Redrow Homes is returning once again to the Devon County Show as sponsor and exhibitor following its success at last year’s popular county event.

The 2018 show, which takes place over three days on 17, 18 and 19 May is a firm favourite in the region’s calendar and sees thousands flock to the event which takes place at Westpoint showground, Clyst St Mary in Exeter.

This is the fourth year which Redrow has been in attendance and is part of the housebuilder’s ongoing commitment to creating thriving communities in the West Country.

Visitors to Redrow’s stand will once...

Why it is less costly to repair than to replace the windows at home

Authored by Sam Richards
Posted: Thu, 05/03/2018 - 11:36am

Many owners prefer to instal wooden windows in their homes. They look stylish and are environmentally friendly. Thermo windows keep the heat inside the room.

Wooden windows are quite costly, though. The construction of them is rather complex. Such windows often get broken, or the wood gets spoiled with time. Before considering windows repairing check Good Window Works to understand what is needed for the repair and how to do that.

Why It's better to simply repair the window

Some people think the thermal window construction is impossible to repair. It is a myth....

Three home upgrades that will add property value

Having a bit of a home redesign can be fantastic for making everything feel fresher, but when it comes to decorating, it’s easy to forget that the right changes to your property can give the overall value a bit of a boost as well. You can go as grand as you please or as subtle as you like, but the fact is that sometimes even the smallest of changes can have a positive effect on the asking price of your home. Whether you’re considering selling soon or simply looking for the best ways to give your home a new lease of life, then here are the best places to start.

A revitalised...

Devon garden open for charity

Fabulous opportunity to see a wonderful private garden

GARDEN OPEN AFTERNOON

In aid of the British Red Cross

HOUNDSPOOL, ASHCOMBE, EX7 0QP By kind invitation of Mr and Mrs Bourne

BANK HOLIDAY MONDAY: 7th MAY 2018

2.00pm – 5.00pm

Adults: £5, children (under 16) £2.

Free Parking, Cream teas and cakes to purchase Dogs on leads are most welcome Plenty of parking

Come and enjoy the beautifully well established, landscaped garden with wide range of planting by expert hands-on gardeners (Edward and Carolyn). The house and gardens...

The Secret to Designing Your Dream Home

When it comes to properties, no home is complete until you have truly made your mark. Self-expression is very important for our happiness, and only once we feel completely at home in our property can we relax. It’s for this very reason why interior design isn’t just an option, it’s a necessity. You can design your home no matter your budget because it isn’t something that should be done overnight. Instead, take the time to decide on a clear vision, save, and be patient. This patience is the secret to a successful renovation because without it, you will rush into a design that isn’t perfect...

Top Tips To Spruce Up Your Home For Summer

Summer is well and truly on the way and what better time of year to give your home a much-needed makeover, so that you can make the most of the good weather and enjoy spending time around the house or in your garden. Before undertaking any makeover, be sure to establish just how much you are willing to spend on your home improvement work and set a budget so that you can keep your spending on track. You do not need a lot of money to make a few simple changes that will add a new lease of life for your home, just in time for the warmer weather.

First, you will need to decide which...

Who’s in your home when you’re not there?

Authored by News Desk
Posted: Wed, 04/18/2018 - 10:54am

A new survey released today by UIA Mutual Insurance reveals that when we aren’t leaving our keys with other people, many of us will hide them in hidden locations outside of our house. The most popular hiding places are under a flower pot (14%), under the doormat (12%) and in the garden shed (7%). According to figures from ONS, 70% of home intruders in the UK gained entry through a household door, and 30% and through a window.

Almost three quarters (73%) of Brits have given someone a spare key to their home. One in five (22%) UK adults possess a spare key to their neighbour’s house...

Redrow plants bumblebee orchard at Saxon Brook

Authored by JessicaVick
Posted: Tue, 04/17/2018 - 12:50pm

Redrow Homes has planted a special fruit orchard at its stunning Saxon Brook development to provide a welcome home for bumblebees whose numbers have been declining in recent years.

The award-winning housebuilder has planted 70 trees designed to create a perfect bee habitat in time for the spring, including several apple, plum and pear species.

There will be a further 26,332 plants specifically chosen to enhance the development’s appeal for the buzzing pollen carriers and other wildlife.

Redrow Homes has worked very closely with East Devon Planning Department to...

UK Buy to Let Property Investment Exit Strategy Advice

Authored by Claire Small
Posted: Tue, 04/17/2018 - 10:17am

There’s a lot of guidance floating around the web about the property market, with many companies like RWinvest providing information on how to get started and how to manage your investment when you’re in the thick of it all. But what about when you’re looking to make some money and exit the buy to let market?

It’s something that you should have planned out before even stepping your foot on the property investment ladder , and essentially, it all depends on what your end goals are. Whether you’re sure about your strategy or thinking about diversifying it, take these options into...

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